New Construction in Birmingham Metro
Alabama
bed4 Bedsbathtub2.5 Bathscalendar_todayBuilt 2026 | Estimated Square Feet | 2,256 | | Initial Market Value | $414,800 | | Price | $414,800 | | Down Payment | $103,700 | | Closing Costs | $6,222 | | Loan Origination and/or Buydown Points | $4,667 | | Other Costs and Fixup | $0 | | Approximate Cash Invested | $114,589 | | Minimum Recommended Cash Reserves | $16,592 | | Cost per Square Foot / per Bedroom | $184 / $103,700 | | Monthly Rent per SQFT / per Bedroom | $1.15 / $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 | ($225) | ($2,696) | | Insurance | ($207) | ($2,489) | | Management Fees | $0 | $0 | | Leasing/Advertising Fees | $0 | $0 | | Association Fees | ($67) | ($804) | | Maintenance | ($78) | ($936) | | Other (Utilities, Supplies, etc.) | $0 | $0 | | Operating Expenses | ($577) | ($6,925) |
| Net Performance | Monthly | Annual |
|---|
| Net Operating Income | $1,815 | $21,779 | | - Mortgage Payments | ($1,530) | ($18,365) | | = Cash Flow | $284 | $3,414 | | + Principal Reduction | $437 | $5,245 | | + Potential Cost Seg Tax Savings | $2,074 | $24,888 | | + Inflation Induced Debt Destruction® (IIDD) - Beta | $959 | $11,511 | | + One Year Appreciation | $1,728 | $20,740 | | = Gross Equity Income | $5,483 | $65,797 |
| | Mortgage Info | First | Second |
|---|
| Loan-to-Value Ratio | 75% | N/A | | Loan Amount | $311,100 | N/A | | Monthly Payment | $1,530.43 | 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™) | 0.63% | | Debt Coverage Ratio | 1.19 | | Annual Gross Rent Multiplier | 13 | | Capitalization Rate | 5.3% | | Cash on Cash Return | 3% | | Base Return on Investment (ROI) | 26% | | Inflation-Enhanced ROI™ (with IIDD) | 36% | | Tax-Optimized ROI™ (Cost Seg+IIDD) | 57% | | + 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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