478 Restoration DrBirminghamAL35226
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.4% gross rental yield, 478 Restoration Dr, Birmingham, AL, 35226 in Birmingham is priced for capital growth, not immediate cash flow. The $744,090 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $205,578 by year five, with $6,853/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.20) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $261,272.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 7.2% |
| Monthly Cash Flow | $(961) | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,004 |
| Total Monthly Debt Service | $4,012 |
| DSCR Ratio | 1.00x |
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 2025
5,227 sqft lot
$N/A/sqft
$1,300 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35226, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,020 (100%) |
| Owner Occupied HU | 11,515 (76.7%) |
| Renter Occupied HU | 2,923 (19.5%) |
| Vacant Housing Units | 582 ( 3.9%) |
| Median Home Value | $395,301 |
| Average Home Value | $448,486 |
Housing Distribution
Address Breakdown
Residential
15,452
Single Family
13,875
Multi-Family
1,577
Businesses
375
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 2025
5,227 sqft lot
$N/A/sqft
$1,300 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35226, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,020 (100%) |
| Owner Occupied HU | 11,515 (76.7%) |
| Renter Occupied HU | 2,923 (19.5%) |
| Vacant Housing Units | 582 ( 3.9%) |
| Median Home Value | $395,301 |
| Average Home Value | $448,486 |
Housing Distribution
Address Breakdown
Residential
15,452
Single Family
13,875
Multi-Family
1,577
Businesses
375
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Merry Leach • RealtySouth-OTM-Acton Rd
Mls Name: GALMLS
Mls Provider:
Mls ID: #21416759
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.