3913 Graham DrIrondaleAL35210
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSolid, durable, and financeable, 3913 Graham Dr, Irondale, AL, 35210 in Irondale earns a 7.62% gross yield at $294,900. Rent of $1,904/mo nets $211/mo after the $1,326/mo mortgage. The 1.44 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $81,475 and $2,716/yr in equity accumulation project a total cumulative return of $126,549.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 7.0% |
| Monthly Cash Flow | $211 | $600 |
City averages based on Irondale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,904 |
| Total Monthly Debt Service | $1,547 |
| DSCR Ratio | 1.23x |
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 2008
3,484 sqft lot
$N/A/sqft
No 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
Townhouse
Built in 2008
3,484 sqft lot
$N/A/sqft
No 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