4020 River Walk LnBirminghamAL35216
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4020 River Walk Ln, Birmingham, AL, 35216 in Birmingham speaks for itself: 11.28% gross on a $245,000 price, generating $2,304/mo in rent and $884/mo in net income after the $1,102/mo debt service. DSCR 2.09, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,613 stacks alongside $67,689 in projected five-year appreciation and $2,256/yr in principal reduction. Projected total cumulative return: $149,392.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 7.2% |
| Monthly Cash Flow | $884 | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,304 |
| Total Monthly Debt Service | $1,322 |
| DSCR Ratio | 1.74x |
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 2000
2,613 sqft lot
$N/A/sqft
$210 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35216, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,677 (100%) |
| Owner Occupied HU | 8,293 (46.9%) |
| Renter Occupied HU | 7,807 (44.2%) |
| Vacant Housing Units | 1,577 ( 8.9%) |
| Median Home Value | $397,800 |
| Average Home Value | $488,346 |
Housing Distribution
Address Breakdown
Residential
16,676
Single Family
10,881
Multi-Family
5,795
Businesses
1,467
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 2000
2,613 sqft lot
$N/A/sqft
$210 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35216, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,677 (100%) |
| Owner Occupied HU | 8,293 (46.9%) |
| Renter Occupied HU | 7,807 (44.2%) |
| Vacant Housing Units | 1,577 ( 8.9%) |
| Median Home Value | $397,800 |
| Average Home Value | $488,346 |
Housing Distribution
Address Breakdown
Residential
16,676
Single Family
10,881
Multi-Family
5,795
Businesses
1,467
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Drew Taylor • Keller Williams Realty Vestavia
Mls Name: GALMLS
Mls Provider:
Mls ID: #21396755
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.