2001 Sandy Ave SWCullmanAL35055
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 2001 Sandy Ave SW, Cullman, AL, 35055 in Cullman is narrow, $195/mo net on $1,714/mo rent after the $1,210/mo debt service, but the property operates at break-even-plus, not a loss. At $269,000 with a 7.64% yield, the long-run equity case via 5% appreciation ($74,320 over five years) and $2,478/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.42 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $113,965.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.8% |
| Monthly Cash Flow | $195 | $450 |
City averages based on Cullman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,714 |
| Total Monthly Debt Service | $1,411 |
| DSCR Ratio | 1.21x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1975
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35055, Cullman, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,021 (100%) |
| Owner Occupied HU | 5,828 (58.2%) |
| Renter Occupied HU | 3,463 (34.6%) |
| Vacant Housing Units | 730 ( 7.3%) |
| Median Home Value | $220,401 |
| Average Home Value | $299,158 |
Housing Distribution
Address Breakdown
Residential
9,620
Single Family
8,898
Multi-Family
722
Businesses
1,181
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1975
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35055, Cullman, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,021 (100%) |
| Owner Occupied HU | 5,828 (58.2%) |
| Renter Occupied HU | 3,463 (34.6%) |
| Vacant Housing Units | 730 ( 7.3%) |
| Median Home Value | $220,401 |
| Average Home Value | $299,158 |
Housing Distribution
Address Breakdown
Residential
9,620
Single Family
8,898
Multi-Family
722
Businesses
1,181
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kayla Shelnutt • REALTYSOUTH, CULLMAN OFFICE
Mls Name: Strategic MLS Alliance
Mls ID: #519412
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.