New Construction in Birmingham Metro Gil
Alabama
bed5 Bedsbathtub3 Bathscalendar_todayBuilt 2026 | Estimated Square Feet | 2,511 | | Initial Market Value | $418,900 | | Price | $418,900 | | Down Payment | $125,670 | | Closing Costs | $6,284 | | Loan Origination and/or Buydown Points | $4,398 | | Other Costs and Fixup | $0 | | Approximate Cash Invested | $136,352 | | Minimum Recommended Cash Reserves | $16,756 | | Cost per Square Foot / per Bedroom | $167 / $83,780 | | Monthly Rent per SQFT / per Bedroom | $1.04 / $520 |
| 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 | ($227) | ($2,723) | | Insurance | ($209) | ($2,513) | | Management Fees | $0 | $0 | | Leasing/Advertising Fees | $0 | $0 | | Association Fees | ($67) | ($804) | | Maintenance | ($78) | ($936) | | Other (Utilities, Supplies, etc.) | $0 | $0 | | Operating Expenses | ($581) | ($6,976) |
| Net Performance | Monthly | Annual |
|---|
| Net Operating Income | $1,811 | $21,728 | | - Mortgage Payments | ($1,497) | ($17,960) | | = Cash Flow | $314 | $3,767 | | + Principal Reduction | $0 | $0 | | + Potential Cost Seg Tax Savings | $2,095 | $25,134 | | + Inflation Induced Debt Destruction® (IIDD) - Beta | $904 | $10,850 | | + One Year Appreciation | $1,745 | $20,945 | | = Gross Equity Income | $5,058 | $60,696 |
| | Mortgage Info | First | Second |
|---|
| Loan-to-Value Ratio | 70% | N/A | | Loan Amount | $293,230 | N/A | | Monthly Payment | $1,496.69 | N/A | | Loan Type | Interest Only Fixed | N/A | | Term | 10 Years | N/A | | Nominal / Real Interest Rate | 6.125% / 2.425% | N/A | | Monthly PMI | $0 | N/A |
| Empowered Investor® Indicators | |
|---|
| Rent-to-Value Ratio™ (RV Ratio™) | 0.62% | | Debt Coverage Ratio | 1.21 | | Annual Gross Rent Multiplier | 13 | | Capitalization Rate | 5.2% | | Cash on Cash Return | 3% | | Base Return on Investment (ROI) | 18% | | Inflation-Enhanced ROI™ (with IIDD) | 26% | | Tax-Optimized ROI™ (Cost Seg+IIDD) | 45% | | + 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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