3765 Villa DrIrondaleAL35210
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 3765 Villa Dr, Irondale, AL, 35210 in Irondale fits: $910,000, 2.84% gross yield, and a projected 5% annual appreciation rate adding $251,416 in value within five years. Rental yield 2.84%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.53) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $8,381/yr in principal paydown and $251,416 in appreciation project a total return of $120,980.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.8% | 7.0% |
| Monthly Cash Flow | $(3,482) | $600 |
City averages based on Irondale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,154 |
| Total Monthly Debt Service | $5,274 |
| DSCR Ratio | 0.41x |
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 2019
10,454 sqft lot
$N/A/sqft
$6,000 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35210, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,882 (100%) |
| Owner Occupied HU | 4,514 (65.6%) |
| Renter Occupied HU | 1,797 (26.1%) |
| Vacant Housing Units | 571 ( 8.3%) |
| Median Home Value | $311,367 |
| Average Home Value | $340,387 |
Housing Distribution
Address Breakdown
Residential
6,844
Single Family
5,867
Multi-Family
977
Businesses
1,078
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 2019
10,454 sqft lot
$N/A/sqft
$6,000 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35210, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,882 (100%) |
| Owner Occupied HU | 4,514 (65.6%) |
| Renter Occupied HU | 1,797 (26.1%) |
| Vacant Housing Units | 571 ( 8.3%) |
| Median Home Value | $311,367 |
| Average Home Value | $340,387 |
Housing Distribution
Address Breakdown
Residential
6,844
Single Family
5,867
Multi-Family
977
Businesses
1,078
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Pam Turbeville • LAH Sotheby's International Realty Homewood
Mls Name: GALMLS
Mls Provider:
Mls ID: #21431964
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.