9853 Westfield CtBirminghamAL35217
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 9853 Westfield Ct, Birmingham, AL, 35217 in Birmingham. Priced at $191,600, it generates $2,237/mo in gross rent and $1,155/mo in net monthly cash flow, a 14.01% yield that comfortably supports the 2.60 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $13,864. Five-year appreciation: $52,936. Equity from principal paydown: $1,765/yr. Total projected cumulative return: $146,556.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14% | 7.2% |
| Monthly Cash Flow | $1,155 | $450 |
City averages based on Birmingham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,237 |
| Total Monthly Debt Service | $1,005 |
| DSCR Ratio | 2.23x |
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 1985
1.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35217, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,910 (100%) |
| Owner Occupied HU | 2,400 (40.6%) |
| Renter Occupied HU | 2,508 (42.4%) |
| Vacant Housing Units | 1,002 (17.0%) |
| Median Home Value | $120,000 |
| Average Home Value | $230,202 |
Housing Distribution
Address Breakdown
Residential
5,368
Single Family
4,879
Multi-Family
489
Businesses
590
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 1985
1.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35217, Birmingham, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,910 (100%) |
| Owner Occupied HU | 2,400 (40.6%) |
| Renter Occupied HU | 2,508 (42.4%) |
| Vacant Housing Units | 1,002 (17.0%) |
| Median Home Value | $120,000 |
| Average Home Value | $230,202 |
Housing Distribution
Address Breakdown
Residential
5,368
Single Family
4,879
Multi-Family
489
Businesses
590
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