New Construction in Birmingham Metro
Alabama
bed4 Bedsbathtub2.5 Bathscalendar_todayBuilt 2026 | Estimated Square Feet | 2,339 | | Initial Market Value | $375,000 | | Price | $375,000 | | Down Payment | $93,750 | | Closing Costs | $5,625 | | Loan Origination and/or Buydown Points | $4,219 | | Other Costs and Fixup | $0 | | Approximate Cash Invested | $103,594 | | Minimum Recommended Cash Reserves | $15,000 | | Cost per Square Foot / per Bedroom | $160 / $93,750 | | Monthly Rent per SQFT / per Bedroom | $1.11 / $650 |
| Projected Income | Monthly | Annual |
|---|
| Projected Rent | $2,600 | $31,200 | | Vacancy Losses | ($208) | ($2,496) | | Operating Income | $2,392 | $28,704 |
| Estimated Expenses | Monthly | Annual |
|---|
| Property Taxes | ($203) | ($2,438) | | Insurance | ($188) | ($2,250) | | Management Fees | $0 | $0 | | Leasing/Advertising Fees | $0 | $0 | | Association Fees | ($67) | ($804) | | Maintenance | ($78) | ($936) | | Other (Utilities, Supplies, etc.) | $0 | $0 | | Operating Expenses | ($536) | ($6,428) |
| Net Performance | Monthly | Annual |
|---|
| Net Operating Income | $1,856 | $22,277 | | - Mortgage Payments | ($1,384) | ($16,603) | | = Cash Flow | $473 | $5,674 | | + Principal Reduction | $395 | $4,741 | | + Potential Cost Seg Tax Savings | $1,875 | $22,500 | | + Inflation Induced Debt Destruction® (IIDD) - Beta | $867 | $10,406 | | + One Year Appreciation | $1,563 | $18,750 | | = Gross Equity Income | $5,173 | $62,071 |
| | Mortgage Info | First | Second |
|---|
| Loan-to-Value Ratio | 75% | N/A | | Loan Amount | $281,250 | N/A | | Monthly Payment | $1,383.58 | N/A | | Loan Type | Amortizing ARM | N/A | | Term | 7 Years | N/A | | Nominal / Real Interest Rate | 4.250% / 0.550% | N/A | | Monthly PMI | $0 | N/A |
| Empowered Investor® Indicators | |
|---|
| Rent-to-Value Ratio™ (RV Ratio™) | 0.69% | | Debt Coverage Ratio | 1.34 | | Annual Gross Rent Multiplier | 12 | | Capitalization Rate | 5.9% | | Cash on Cash Return | 5% | | Base Return on Investment (ROI) | 28% | | Inflation-Enhanced ROI™ (with IIDD) | 38% | | Tax-Optimized ROI™ (Cost Seg+IIDD) | 60% | | + 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 |
|---|
| Cash purchase discount available. Up to 6% in seller concessions with 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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