439 27th Ave NWBirminghamAL35215
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Birmingham rentals match the income profile of 439 27th Ave NW, Birmingham, AL, 35215. Listed at $105,000, gross rent is $2,098/mo and net cash flow is $1,403/mo, a 23.97% yield well above national averages. DSCR 4.44 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $29,010 by year five with $967/yr in annual principal reduction, projecting $130,359 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 24% | 7.2% |
| Monthly Cash Flow | $1,403 | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,098 |
| Total Monthly Debt Service | $653 |
| DSCR Ratio | 3.21x |
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 1959
0.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35215, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,407 (100%) |
| Owner Occupied HU | 8,913 (45.9%) |
| Renter Occupied HU | 7,980 (41.1%) |
| Vacant Housing Units | 2,514 (13.0%) |
| Median Home Value | $162,989 |
| Average Home Value | $234,141 |
Housing Distribution
Address Breakdown
Residential
19,014
Single Family
15,777
Multi-Family
3,237
Businesses
835
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 1959
0.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35215, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,407 (100%) |
| Owner Occupied HU | 8,913 (45.9%) |
| Renter Occupied HU | 7,980 (41.1%) |
| Vacant Housing Units | 2,514 (13.0%) |
| Median Home Value | $162,989 |
| Average Home Value | $234,141 |
Housing Distribution
Address Breakdown
Residential
19,014
Single Family
15,777
Multi-Family
3,237
Businesses
835
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices