305 Willow Bend RdHomewoodAL35209
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow305 Willow Bend Rd, Homewood, AL, 35209 in Homewood earns its strong cash-flow label: 10.39% yield, $3,354/mo rent, $1,167/mo net income, DSCR 1.93. The $387,500 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $107,059 by year five. Combined with $3,569/yr in principal paydown, total projected return reaches $221,157.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 6.0% |
| Monthly Cash Flow | $1,167 | $1,200 |
City averages based on Homewood market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,354 |
| Total Monthly Debt Service | $2,033 |
| DSCR Ratio | 1.65x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2000
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35209, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,204 (100%) |
| Owner Occupied HU | 5,576 (39.3%) |
| Renter Occupied HU | 6,610 (46.5%) |
| Vacant Housing Units | 2,018 (14.2%) |
| Median Home Value | $487,776 |
| Average Home Value | $591,314 |
Housing Distribution
Address Breakdown
Residential
13,671
Single Family
10,594
Multi-Family
3,077
Businesses
2,312
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 2000
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35209, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,204 (100%) |
| Owner Occupied HU | 5,576 (39.3%) |
| Renter Occupied HU | 6,610 (46.5%) |
| Vacant Housing Units | 2,018 (14.2%) |
| Median Home Value | $487,776 |
| Average Home Value | $591,314 |
Housing Distribution
Address Breakdown
Residential
13,671
Single Family
10,594
Multi-Family
3,077
Businesses
2,312
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices