3529 Cliff Rd SBirminghamAL35205
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.48% gross rental yield, 3529 Cliff Rd S, Birmingham, AL, 35205 in Birmingham is priced for capital growth, not immediate cash flow. The $579,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $159,967 by year five, with $5,333/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.65) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $115,968.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 7.2% |
| Monthly Cash Flow | $(1,588) | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,680 |
| Total Monthly Debt Service | $3,038 |
| DSCR Ratio | 0.55x |
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 1935
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 1935
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 • RealtySouth-OTM-Acton Rd
Mls Name: GALMLS
Mls Provider:
Mls ID: #21427098
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.