5856 34th St NBirminghamAL35207
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, 5856 34th St N, Birmingham, AL, 35207 in Birmingham earns a 10% gross yield at $144,900. Rent of $1,207/mo nets $389/mo after the $652/mo mortgage. The 1.85 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $40,033 and $1,335/yr in equity accumulation project a total cumulative return of $79,645.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 7.2% |
| Monthly Cash Flow | $389 | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,207 |
| Total Monthly Debt Service | $760 |
| DSCR Ratio | 1.59x |
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 1961
0.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35207, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,908 (100%) |
| Owner Occupied HU | 1,624 (41.6%) |
| Renter Occupied HU | 1,601 (41.0%) |
| Vacant Housing Units | 683 (17.5%) |
| Median Home Value | $94,643 |
| Average Home Value | $167,882 |
Housing Distribution
Address Breakdown
Residential
3,228
Single Family
2,927
Multi-Family
301
Businesses
274
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 1961
0.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35207, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,908 (100%) |
| Owner Occupied HU | 1,624 (41.6%) |
| Renter Occupied HU | 1,601 (41.0%) |
| Vacant Housing Units | 683 (17.5%) |
| Median Home Value | $94,643 |
| Average Home Value | $167,882 |
Housing Distribution
Address Breakdown
Residential
3,228
Single Family
2,927
Multi-Family
301
Businesses
274
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rick Curry • TCG Real Estate, Inc.
Mls Name: GALMLS
Mls ID: #21418159