4121 Brook WayBirminghamAL35213
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 4121 Brook Way, Birmingham, AL, 35213 in Birmingham offers a clean, manageable entry. Rental yield 6.07%. DSCR 1.12 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $151,679 in additional property value over five years, with $5,056/yr in principal equity building ownership stake. Total projected cumulative return: $181,141.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 7.2% |
| Monthly Cash Flow | $(406) | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,776 |
| Total Monthly Debt Service | $2,963 |
| DSCR Ratio | 0.94x |
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 1965
0.28 Acres 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
Single Family
Built in 1965
0.28 Acres 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: Amy Lawson • RealtySouth-OTM-Acton Rd
Mls Name: GALMLS
Mls Provider:
Mls ID: #21411999
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.