2021 Raspberry LnCullmanAL35055
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 2021 Raspberry Ln, Cullman, AL, 35055 in Cullman worth modelling. At $302,549 with a 7.59% gross yield, the $1,914/mo rent leaves $164/mo after the $1,360/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.41 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $83,589 by year five; $2,787/yr in principal reduction adds further equity. Total projected return: $124,825.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.8% |
| Monthly Cash Flow | $164 | $450 |
City averages based on Cullman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,914 |
| Total Monthly Debt Service | $1,629 |
| DSCR Ratio | 1.17x |
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 N/A
9,147 sqft lot
$N/A/sqft
$500 annually 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 N/A
9,147 sqft lot
$N/A/sqft
$500 annually 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: Kevin Holaday • Davidson Homes LLC 4
Mls Name: ValleyMLS
Mls Provider:
Mls ID: #21913240
Disclaimer: Properties marked with this icon are provided courtesy of the Valley MLS IDX Database. Some or all of the listings displayed may not belong to the firm whose website is being visited. All information provided is deemed reliable but is not guaranteed and should be independently verified. Copyright 2026 Valley MLS