New Construction in the Birmingham Metro
Alabama
bed4 Bedsbathtub2.5 Bathscalendar_todayBuilt 2026 | Estimated Square Feet | 2,339 | | Initial Market Value | $369,900 | | Price | $369,900 | | Down Payment | $129,465 | | Closing Costs | $5,549 | | Loan Origination and/or Buydown Points | $3,607 | | Other Costs and Fixup | $0 | | Approximate Cash Invested | $138,620 | | Minimum Recommended Cash Reserves | $14,796 | | Cost per Square Foot / per Bedroom | $158 / $92,475 | | Monthly Rent per SQFT / per Bedroom | $0.98 / $575 |
| Projected Income | Monthly | Annual |
|---|
| Projected Rent | $2,300 | $27,600 | | Vacancy Losses | ($184) | ($2,208) | | Operating Income | $2,116 | $25,392 |
| Estimated Expenses | Monthly | Annual |
|---|
| Property Taxes | ($200) | ($2,404) | | Insurance | ($185) | ($2,219) | | Management Fees | $0 | $0 | | Leasing/Advertising Fees | $0 | $0 | | Association Fees | ($80) | ($960) | | Maintenance | ($69) | ($828) | | Other (Utilities, Supplies, etc.) | $0 | $0 | | Operating Expenses | ($534) | ($6,412) |
| Net Performance | Monthly | Annual |
|---|
| Net Operating Income | $1,582 | $18,980 | | - Mortgage Payments | ($1,403) | ($16,837) | | = Cash Flow | $179 | $2,143 | | + Principal Reduction | $258 | $3,093 | | + Potential Cost Seg Tax Savings | $1,850 | $22,194 | | + Inflation Induced Debt Destruction® (IIDD) - Beta | $741 | $8,896 | | + One Year Appreciation | $1,541 | $18,495 | | = Gross Equity Income | $4,568 | $54,821 |
| | Mortgage Info | First | Second |
|---|
| Loan-to-Value Ratio | 65% | N/A | | Loan Amount | $240,435 | N/A | | Monthly Payment | $1,403.11 | N/A | | Loan Type | Amortizing Fixed | N/A | | Term | 30 Years | N/A | | Nominal / Real Interest Rate | 5.750% / 2.050% | N/A | | Monthly PMI | $0 | N/A |
| Empowered Investor® Indicators | |
|---|
| Rent-to-Value Ratio™ (RV Ratio™) | 0.62% | | Debt Coverage Ratio | 1.13 | | Annual Gross Rent Multiplier | 13 | | Capitalization Rate | 5.1% | | Cash on Cash Return | 2% | | Base Return on Investment (ROI) | 17% | | Inflation-Enhanced ROI™ (with IIDD) | 24% | | Tax-Optimized ROI™ (Cost Seg+IIDD) | 40% | | + Tax Benefits: Deductions, Depreciation, 1031 Exchange, etc. |
| Assumptions & Projections | |
|---|
| Projected Appreciation Rate | 5.0% | | Gov CPI Inflation September '26 | 3.7% | | Vacancy Rate | 8% | | Management Fee | 0% | | Maintenance Percentage | 3% |
| Comments |
|---|
| In-house lender offering 3.875% with 25% down on a 7/6 ARM Up to 6% in seller concessions when using a third-party DSCR lender. |
*Information is not guaranteed and investors should do their own research, get professional advice and conduct due diligence prior to investing.
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