4400 Cahaba River BlvdBirminghamAL35216
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 4400 Cahaba River Blvd, Birmingham, AL, 35216 in Birmingham. At $449,000 it earns $2,896/mo in rent and distributes $234/mo to the owner after the $2,019/mo payment, a consistent 7.74% yield. DSCR 1.43 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $124,050 in value; $4,135/yr in principal paydown compounds ownership stake. Total projected return: $184,808.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 7.2% |
| Monthly Cash Flow | $234 | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,896 |
| Total Monthly Debt Service | $2,483 |
| DSCR Ratio | 1.17x |
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 2013
0.73 Acres lot
$N/A/sqft
$600 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
Single Family
Built in 2013
0.73 Acres lot
$N/A/sqft
$600 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: Whitney Bell • ARC Realty Cahaba Heights
Mls Name: GALMLS
Mls Provider:
Mls ID: #21416942
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.