New Construction in Birmingham Metro 6pts credit from builder DSCR Lender
Alabama
bed4 Bedsbathtub2.5 Bathscalendar_todayBuilt 2026 | Estimated Square Feet | 2,340 | | Initial Market Value | $319,900 | | Price | $319,900 | | Down Payment | $79,975 | | Closing Costs | $4,799 | | Loan Origination and/or Buydown Points | $3,599 | | Other Costs and Fixup | $0 | | Approximate Cash Invested | $88,372 | | Minimum Recommended Cash Reserves | $12,796 | | Cost per Square Foot / per Bedroom | $137 / $79,975 | | Monthly Rent per SQFT / per Bedroom | $0.90 / $525 |
| Projected Income | Monthly | Annual |
|---|
| Projected Rent | $2,100 | $25,200 | | Vacancy Losses | ($168) | ($2,016) | | Operating Income | $1,932 | $23,184 |
| Estimated Expenses | Monthly | Annual |
|---|
| Property Taxes | ($173) | ($2,079) | | Insurance | ($160) | ($1,919) | | Management Fees | $0 | $0 | | Leasing/Advertising Fees | $0 | $0 | | Association Fees | ($46) | ($552) | | Maintenance | ($63) | ($756) | | Other (Utilities, Supplies, etc.) | $0 | $0 | | Operating Expenses | ($442) | ($5,307) |
| Net Performance | Monthly | Annual |
|---|
| Net Operating Income | $1,490 | $17,877 | | - Mortgage Payments | ($1,516) | ($18,198) | | = Cash Flow | ($27) | ($321) | | + Principal Reduction | $223 | $2,682 | | + Potential Cost Seg Tax Savings | $1,600 | $19,194 | | + Inflation Induced Debt Destruction® (IIDD) - Beta | $740 | $8,877 | | + One Year Appreciation | $1,333 | $15,995 | | = Gross Equity Income | $3,869 | $46,427 |
| | Mortgage Info | First | Second |
|---|
| Loan-to-Value Ratio | 75% | N/A | | Loan Amount | $239,925 | N/A | | Monthly Payment | $1,516.49 | N/A | | Loan Type | Amortizing Fixed | N/A | | Term | 30 Years | N/A | | Nominal / Real Interest Rate | 6.500% / 2.800% | N/A | | Monthly PMI | $0 | N/A |
| Empowered Investor® Projections & Indicators | |
|---|
| Rent-to-Value Ratio™ (RV Ratio™) | 0.66% | | Debt Coverage Ratio | 0.98 | | Annual Gross Rent Multiplier | 13 | | Capitalization Rate | 5.6% | | Cash on Cash Return | 0% | | Base Return on Investment (ROI) | 21% | | Inflation-Enhanced ROI™ (with IIDD) | 31% | | Tax-Optimized ROI™ (Cost Seg+IIDD) | 53% | | + 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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