4681 Riverview DrHooverAL35244
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 4681 Riverview Dr, Hoover, AL, 35244 in Hoover. At $523,900 it earns $3,606/mo in rent and distributes $536/mo to the owner after the $2,356/mo payment, a consistent 8.26% yield. DSCR 1.53 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $144,744 in value; $4,825/yr in principal paydown compounds ownership stake. Total projected return: $232,359.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.5% |
| Monthly Cash Flow | $536 | $300 |
City averages based on Hoover market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,606 |
| Total Monthly Debt Service | $2,862 |
| DSCR Ratio | 1.26x |
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 2011
5,227 sqft lot
$N/A/sqft
$63 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35244, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,341 (100%) |
| Owner Occupied HU | 10,823 (66.2%) |
| Renter Occupied HU | 4,785 (29.3%) |
| Vacant Housing Units | 733 ( 4.5%) |
| Median Home Value | $410,683 |
| Average Home Value | $449,563 |
Housing Distribution
Address Breakdown
Residential
16,162
Single Family
12,039
Multi-Family
4,123
Businesses
1,624
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 2011
5,227 sqft lot
$N/A/sqft
$63 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35244, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,341 (100%) |
| Owner Occupied HU | 10,823 (66.2%) |
| Renter Occupied HU | 4,785 (29.3%) |
| Vacant Housing Units | 733 ( 4.5%) |
| Median Home Value | $410,683 |
| Average Home Value | $449,563 |
Housing Distribution
Address Breakdown
Residential
16,162
Single Family
12,039
Multi-Family
4,123
Businesses
1,624
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices