3840 Montclair RdBirminghamAL35213
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 3840 Montclair Rd, Birmingham, AL, 35213 in Birmingham worth study. Rental yield 5.31%. The 5.31% gross yield is below cash-flow benchmarks at $458,000, but 5% annual appreciation, adding $126,537 over five years, frames this as a capital growth position. Rent of $2,028/mo partially offsets the $2,059/mo payment. Ziffy Mortgage finances appreciation-play properties (0.98 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $136,763.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 7.2% |
| Monthly Cash Flow | $(707) | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,028 |
| Total Monthly Debt Service | $2,403 |
| DSCR Ratio | 0.84x |
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.
Townhouse
Built in 1986
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35213, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,571 (100%) |
| Owner Occupied HU | 4,263 (64.9%) |
| Renter Occupied HU | 2,001 (30.5%) |
| Vacant Housing Units | 307 ( 4.7%) |
| Median Home Value | $650,762 |
| Average Home Value | $795,174 |
Housing Distribution
Address Breakdown
Residential
6,523
Single Family
5,252
Multi-Family
1,271
Businesses
470
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
Townhouse
Built in 1986
3,049 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35213, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,571 (100%) |
| Owner Occupied HU | 4,263 (64.9%) |
| Renter Occupied HU | 2,001 (30.5%) |
| Vacant Housing Units | 307 ( 4.7%) |
| Median Home Value | $650,762 |
| Average Home Value | $795,174 |
Housing Distribution
Address Breakdown
Residential
6,523
Single Family
5,252
Multi-Family
1,271
Businesses
470
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Steve Buchanan • RealtySouth-MB-Cahaba Rd
Mls Name: GALMLS
Mls ID: #21441764