4205 Mountaindale RdBirminghamAL35213
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis Birmingham rental at 4205 Mountaindale Rd, Birmingham, AL, 35213 sits in the solid-income band: 7.42% gross yield, $3,028/mo rent, $263/mo net after the $2,203/mo debt service, DSCR 1.37. Entry price of $489,900 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $135,350 and $4,512/yr in principal reduction bring total cumulative return to $201,526.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 7.2% |
| Monthly Cash Flow | $263 | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,028 |
| Total Monthly Debt Service | $2,570 |
| DSCR Ratio | 1.18x |
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.
Single Family
Built in 1958
9,583 sqft 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 1958
9,583 sqft 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: Langston Hereford • RealtySouth-MB-Crestline
Mls Name: GALMLS
Mls ID: #21427862