3792 Villa DrBirminghamAL35210
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 3792 Villa Dr, Birmingham, AL, 35210 in Birmingham worth study. Rental yield 4.8%. The 4.8% gross yield is below cash-flow benchmarks at $850,000, but 5% annual appreciation, adding $234,839 over five years, frames this as a capital growth position. Rent of $3,597/mo partially offsets the $3,822/mo payment. Ziffy Mortgage finances appreciation-play properties (0.94 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $213,046.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 7.2% |
| Monthly Cash Flow | $(1,983) | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,597 |
| Total Monthly Debt Service | $4,960 |
| DSCR Ratio | 0.73x |
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
6,534 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
6,534 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: Jeffrey Klinner • Keller Williams Homewood
Mls Name: GALMLS
Mls Provider:
Mls ID: #21418700
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.