812 4th St WBirminghamAL35204
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 812 4th St W, Birmingham, AL, 35204 in Birmingham: $1,786/mo in rent, $865/mo net, 14.6% gross yield, all on a $146,800 acquisition. The 2.71 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $40,558 in value, and $1,352/yr in principal paydown steadily builds equity. Projected total cumulative return: $111,409.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.6% | 7.2% |
| Monthly Cash Flow | $865 | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,786 |
| Total Monthly Debt Service | $863 |
| DSCR Ratio | 2.07x |
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 1920
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35204, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,212 (100%) |
| Owner Occupied HU | 1,563 (30.0%) |
| Renter Occupied HU | 2,607 (50.0%) |
| Vacant Housing Units | 1,042 (20.0%) |
| Median Home Value | $104,329 |
| Average Home Value | $188,864 |
Housing Distribution
Address Breakdown
Residential
4,481
Single Family
4,282
Multi-Family
199
Businesses
420
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 1920
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35204, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,212 (100%) |
| Owner Occupied HU | 1,563 (30.0%) |
| Renter Occupied HU | 2,607 (50.0%) |
| Vacant Housing Units | 1,042 (20.0%) |
| Median Home Value | $104,329 |
| Average Home Value | $188,864 |
Housing Distribution
Address Breakdown
Residential
4,481
Single Family
4,282
Multi-Family
199
Businesses
420
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A