New Construction in Birmingham Metro
Kimberly, AL 35091
4bd • 2.5ba • Built: 2026
Zoned Warrior Schools + Community Amenities!
| Estimated Square Feet | 2,256 | | Initial Market Value | $334,900 | | Purchase Price | $334,900 | | Downpayment | $83,725 | | Loan Origination Fees | $2,512 | | Depreciable Closing Costs | $3,349 | | Other Costs and Fixup | $0 | | Approximate Cash Invested | $89,586 | | Cost per Square Foot / per Bedroom | $148 / $83,725 | | Monthly Rent per SQFT / per Bedroom | $0.93 / $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 | ($181) | ($2,177) | | Insurance | ($112) | ($1,340) | | Management Fees | $0 | $0 | | Leasing/Advertising Fees | $0 | $0 | | Association Fees | ($50) | ($600) | | Maintenance | ($42) | ($504) | | Other (Utilities, Supplies, etc.) | $0 | $0 | | Operating Expenses | ($385) | ($4,620) |
| Net Performance | Monthly | Annual |
|---|
| Net Operating Income | $1,547 | $18,564 | | - Mortgage Payments | ($1,181) | ($14,173) | | = Cash Flow | $366 | $4,390 | | + Principal Reduction | $377 | $4,520 | | + Inflation Induced Debt Destruction® (IIDD) - Beta | $628 | $7,535 | | + First-Year Appreciation | $1,675 | $20,094 | | = Gross Equity Income | $3,045 | $36,539 |
| | Mortgage Info | First | Second |
|---|
| Loan-to-Value Ratio | 75% | N/A | | Loan Amount | $251,175 | N/A | | Monthly Payment | $1,181.12 | N/A | | Loan Type | Amortizing ARM | N/A | | Term | 7 Years | N/A | | Nominal / Real Interest Rate | 3.875% / 0.875% | N/A | | Monthly PMI | $0 | N/A |
| Empowered Investor® Indicators | |
|---|
| Rent-to-Value Ratio™ (RV Ratio™) | 0.6% | | Debt Coverage Ratio | 1.31 | | Annual Gross Rent Multiplier | 13 | | Capitalization Rate | 5.5% | | Cash on Cash Return | 5% | | Return on Investment | 32% | | Return on Investment with IIDD | 41% | | + Tax Benefits: Deductions, Depreciation, 1031 Exchange, etc. |
| Assumptions & Projections | |
|---|
| Projected Appreciation Rate | 6% | | Projected Inflation Rate | 3% | | Vacancy Rate | 8% | | Management Fee | 0% | | Maintenance Percentage | 2% |
| Comments |
|---|
| New construction. Desirable Birmingham metro suburb. Up to 2% in seller concessions on financed purchase. |
*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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