5731 & 5714 Court MBirminghamAL35228
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 5731 & 5714 Court M, Birmingham, AL, 35228 in Birmingham the bet is firmly on appreciation. Rental yield 1.41%. The 1.41% gross yield on a $945,000 price is below income-first thresholds, but 5%/yr value growth projects $261,086 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.26) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $84,269.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.4% | 7.2% |
| Monthly Cash Flow | $(4,225) | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,109 |
| Total Monthly Debt Service | $4,958 |
| DSCR Ratio | 0.22x |
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.
Multi Family
Built in 1949
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35228, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,371 (100%) |
| Owner Occupied HU | 2,168 (49.6%) |
| Renter Occupied HU | 1,653 (37.8%) |
| Vacant Housing Units | 550 (12.6%) |
| Median Home Value | $102,675 |
| Average Home Value | $233,567 |
Housing Distribution
Address Breakdown
Residential
3,951
Single Family
3,723
Multi-Family
228
Businesses
235
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
Multi Family
Built in 1949
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35228, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,371 (100%) |
| Owner Occupied HU | 2,168 (49.6%) |
| Renter Occupied HU | 1,653 (37.8%) |
| Vacant Housing Units | 550 (12.6%) |
| Median Home Value | $102,675 |
| Average Home Value | $233,567 |
Housing Distribution
Address Breakdown
Residential
3,951
Single Family
3,723
Multi-Family
228
Businesses
235
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Maurice Humphries • LAH Real Estate, Inc.
Mls Name: GALMLS
Mls ID: #21399494