4401 Mountaindale RdBirminghamAL35213
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 4401 Mountaindale Rd, Birmingham, AL, 35213 in Birmingham hard to pass up. The 10.64% gross yield on a $475,000 purchase results in $4,212/mo in rent and $1,531/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (1.97). Annual cash flow of $18,370, five-year appreciation of $131,234, and $4,375/yr in equity build-up combine for a projected total cumulative return of $277,490.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 7.2% |
| Monthly Cash Flow | $1,531 | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,212 |
| Total Monthly Debt Service | $2,492 |
| DSCR Ratio | 1.69x |
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
0.43 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 1959
0.43 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: Kimberley Sewell • 1st Choice Realty LLC
Mls Name: GALMLS
Mls Provider:
Mls ID: #21407193
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.