Birmingham, AL DSCR Calculator
Calculate the debt service coverage ratio (DSCR) for any rental property in Birmingham. Based on current Birmingham market data.
Birmingham Market Snapshot
$135,000
$1,050/mo
9%
0.5%
$9,843
1.28
Based on median price, 25% down, 6.5% rate, 30-year term.
Run Your Birmingham Numbers
Plug in any Birmingham property to get DSCR, NOI, cash flow, and more.
How DSCR Works in Birmingham
The Birmingham rental market has a median home price of $135,000 and median rent of $1,050/month, which puts the average debt service coverage ratio (DSCR) at roughly 9% for a typical single-family rental. That means for every dollar of property value, you can expect about 9 cents in annual net income before debt service.
With a 25% down payment ($33,750) and a 6.5% mortgage rate, a median Birmingham rental generates roughly $9,843/yr in NOI against $7,680/yr in debt service, giving you a DSCR of 1.28. That comfortably exceeds the 1.25 minimum most DSCR lenders require.