4457 Clairmont Ave SBirminghamAL35222
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 4457 Clairmont Ave S, Birmingham, AL, 35222 in Birmingham worth study. Rental yield 5.21%. The 5.21% gross yield is below cash-flow benchmarks at $730,000, but 5% annual appreciation, adding $201,686 over five years, frames this as a capital growth position. Rent of $3,319/mo partially offsets the $3,283/mo payment. Ziffy Mortgage finances appreciation-play properties (1.01 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $223,489.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 7.2% |
| Monthly Cash Flow | $(999) | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,319 |
| Total Monthly Debt Service | $3,830 |
| DSCR Ratio | 0.87x |
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 1955
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35222, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,713 (100%) |
| Owner Occupied HU | 2,014 (42.7%) |
| Renter Occupied HU | 2,191 (46.5%) |
| Vacant Housing Units | 508 (10.8%) |
| Median Home Value | $399,331 |
| Average Home Value | $535,552 |
Housing Distribution
Address Breakdown
Residential
4,377
Single Family
3,422
Multi-Family
955
Businesses
599
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 1955
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35222, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,713 (100%) |
| Owner Occupied HU | 2,014 (42.7%) |
| Renter Occupied HU | 2,191 (46.5%) |
| Vacant Housing Units | 508 (10.8%) |
| Median Home Value | $399,331 |
| Average Home Value | $535,552 |
Housing Distribution
Address Breakdown
Residential
4,377
Single Family
3,422
Multi-Family
955
Businesses
599
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Shelley Clark • Ray & Poynor Properties
Mls Name: GALMLS
Mls Provider:
Mls ID: #21432664
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.