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1130 Timberline Ridge in Calera, ALSingle Family
Calera, AL

1130 Timberline Ridge

$339,900
5 bd2.5 ba2,632 sq ftBuilt 2026
Rent estimate
$2,350/mo
Cash ROI
5.2%
Property taxes
$306/mo
Insurance
$114/mo
HOA
$33/mo
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Build from this home

Make this home your starting point

Your sample portfolio starts with what this home needs to close. Keep investing in real estate each year, and your rentals’ cash flow and refinances help buy additional properties. Drag either number to see how your portfolio grows.

$90,000This home needs about $85,700 to close
$25,000
7 rentals by 2036Example
Your $90KWhat you addWhat your rentals earn
Projected equity by 2036$628K
Build my full plan
  • Starting cash: this home’s down payment and closing costs, rounded up
  • Every rental in the plan, including the first, is modeled as a $230,000 home, 20% down, a 6.5% interest-only loan
  • $295 a month in cash flow per rental after expenses, 3% yearly appreciation
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What a lender sees on this property

Open the calculator

DSCR is the whole underwrite on a rental loan: the rent divided by the full monthly payment. No tax returns, no W-2. Everything below starts from this property’s actual figures, and every field is yours to change.

  • Rent$2,350/mo, this property’s rent estimate
  • Structure20% down, 30-year term, interest-only
  • Rate6.5%, not a Lineage quote
  • Carrying costsThis property’s own taxes, insurance and HOA
Your dealResults update as you type.
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DSCR = monthly rent ÷ full monthly payment (principal, interest, taxes, insurance, HOA). Max loan holds your rate, term, taxes, and insurance fixed. Rate is not a Lineage quote; edit it to match yours. Estimates only, not a loan offer.

Your DSCR estimate
1.22
DSCR ratio
$1.22 of rent for every $1 of debt
Monthly payment (PITIA)Loan $1,719 · Interest-only $1,473 (used for DSCR) · Taxes + insurance $453
$1,926
Max loan at this rent (DSCR 1.20)≈ $347,385 purchase price at 20% down
$277,908
Down payment20% of $339,900
$67,980

At interest-only, this payment equals a 30-year fully amortized loan at about 5.08%.

During the interest-only period the balance doesn’t shrink, so one of the four returns (principal paydown) is paused. The trade is monthly cash flow now for equity build later.

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DSCR compares the property’s monthly rent to its full monthly payment (principal, interest, taxes, insurance, HOA). Most lenders approve at 1.0 or higher. 1.20+ typically earns better pricing. Estimates only. Not a loan offer or a commitment to lend.

Estimates only. Not a loan offer or a commitment to lend. Actual terms depend on credit, property, location, and market conditions. DSCR loans through Lineage are originated by our lending partner.

Illustrative example. Actual returns vary based on market conditions, property performance, and financing terms. The rent figure is an estimate provided by the local property manager and is not a guarantee. Taxes, insurance, and HOA dues are the amounts on the listing at the time of this snapshot and can change. Calculator output is an estimate, not a loan offer or a commitment to lend. This property was available as of September 2026 and may no longer be. Lineage Technologies, Inc. acts as a transaction broker and does not represent either party in a fiduciary capacity.

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