4759 7th Ct SBirminghamAL35222
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 4759 7th Ct S, Birmingham, AL, 35222 in Birmingham is narrow, $156/mo net on $1,672/mo rent after the $1,169/mo debt service, but the property operates at break-even-plus, not a loss. At $259,900 with a 7.72% yield, the long-run equity case via 5% appreciation ($71,806 over five years) and $2,394/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.43 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $108,228.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 7.2% |
| Monthly Cash Flow | $156 | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,672 |
| Total Monthly Debt Service | $1,413 |
| DSCR Ratio | 1.18x |
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 1955
6,098 sqft 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
6,098 sqft 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: Ahmad Sukar • Keller Williams Homewood
Mls Name: GALMLS
Mls Provider:
Mls ID: #21420861
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.