3979 Sydney DrBirminghamAL35211
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 3979 Sydney Dr, Birmingham, AL, 35211 in Birmingham. Rental yield 4.45%. At $386,365 with 4.45% gross yield, current distributions are modest, but the 5% appreciation rate projects $106,746 in new equity by year five, complemented by $3,558/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.83) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $95,492.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 7.2% |
| Monthly Cash Flow | $(782) | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,434 |
| Total Monthly Debt Service | $2,062 |
| DSCR Ratio | 0.70x |
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 2024
435.60 sqft lot
$N/A/sqft
$420 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35211, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,583 (100%) |
| Owner Occupied HU | 4,867 (35.8%) |
| Renter Occupied HU | 6,218 (45.8%) |
| Vacant Housing Units | 2,498 (18.4%) |
| Median Home Value | $127,860 |
| Average Home Value | $225,345 |
Housing Distribution
Address Breakdown
Residential
12,074
Single Family
9,184
Multi-Family
2,890
Businesses
679
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 2024
435.60 sqft lot
$N/A/sqft
$420 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35211, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,583 (100%) |
| Owner Occupied HU | 4,867 (35.8%) |
| Renter Occupied HU | 6,218 (45.8%) |
| Vacant Housing Units | 2,498 (18.4%) |
| Median Home Value | $127,860 |
| Average Home Value | $225,345 |
Housing Distribution
Address Breakdown
Residential
12,074
Single Family
9,184
Multi-Family
2,890
Businesses
679
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Matthew Calhoun • RealtySouth-MB-Cahaba Rd
Mls Name: GALMLS
Mls Provider:
Mls ID: #21393525
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.