3859 Overton Manor TrlVestaviaAL35243
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 3859 Overton Manor Trl, Vestavia, AL, 35243 in Vestavia is narrow, $151/mo net on $1,949/mo rent after the $1,237/mo debt service, but the property operates at break-even-plus, not a loss. At $275,000 with a 8.5% yield, the long-run equity case via 5% appreciation ($75,977 over five years) and $2,533/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.58 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $114,387.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.5% |
| Monthly Cash Flow | $151 | $1,200 |
City averages based on Vestavia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,949 |
| Total Monthly Debt Service | $1,689 |
| DSCR Ratio | 1.15x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 1979
2,613 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35243, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,028 (100%) |
| Owner Occupied HU | 5,629 (51.0%) |
| Renter Occupied HU | 4,756 (43.1%) |
| Vacant Housing Units | 643 ( 5.8%) |
| Median Home Value | $498,768 |
| Average Home Value | $635,274 |
Housing Distribution
Address Breakdown
Residential
10,852
Single Family
7,638
Multi-Family
3,214
Businesses
1,480
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 1979
2,613 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35243, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,028 (100%) |
| Owner Occupied HU | 5,629 (51.0%) |
| Renter Occupied HU | 4,756 (43.1%) |
| Vacant Housing Units | 643 ( 5.8%) |
| Median Home Value | $498,768 |
| Average Home Value | $635,274 |
Housing Distribution
Address Breakdown
Residential
10,852
Single Family
7,638
Multi-Family
3,214
Businesses
1,480
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lynlee Hughes • ARC Realty Mountain Brook
Mls Name: GALMLS
Mls Provider:
Mls ID: #21422638
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.