3529 Cliff RdBirminghamAL35205
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 3529 Cliff Rd, Birmingham, AL, 35205 in Birmingham worth study. Rental yield 3.81%. The 3.81% gross yield is below cash-flow benchmarks at $550,000, but 5% annual appreciation, adding $151,955 over five years, frames this as a capital growth position. Rent of $1,748/mo partially offsets the $2,473/mo payment. Ziffy Mortgage finances appreciation-play properties (0.71 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $119,994.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 7.2% |
| Monthly Cash Flow | $(1,356) | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,748 |
| Total Monthly Debt Service | $2,886 |
| DSCR Ratio | 0.61x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 N/A
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35205, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,646 (100%) |
| Owner Occupied HU | 2,695 (23.1%) |
| Renter Occupied HU | 7,001 (60.1%) |
| Vacant Housing Units | 1,950 (16.7%) |
| Median Home Value | $365,353 |
| Average Home Value | $470,767 |
Housing Distribution
Address Breakdown
Residential
11,221
Single Family
5,821
Multi-Family
5,400
Businesses
803
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 N/A
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35205, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,646 (100%) |
| Owner Occupied HU | 2,695 (23.1%) |
| Renter Occupied HU | 7,001 (60.1%) |
| Vacant Housing Units | 1,950 (16.7%) |
| Median Home Value | $365,353 |
| Average Home Value | $470,767 |
Housing Distribution
Address Breakdown
Residential
11,221
Single Family
5,821
Multi-Family
5,400
Businesses
803
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amy Lawson • Mountain Brook Village
Mls Name: RealtySouth
Mls ID: #21427098