2036 Larry Ave SWCullmanAL35055
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 2036 Larry Ave SW, Cullman, AL, 35055 in Cullman earns a 8.23% gross yield at $229,000. Rent of $1,571/mo nets $278/mo after the $1,030/mo mortgage. The 1.53 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $63,268 and $2,109/yr in equity accumulation project a total cumulative return of $104,238.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.8% |
| Monthly Cash Flow | $278 | $450 |
City averages based on Cullman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,571 |
| Total Monthly Debt Service | $1,201 |
| DSCR Ratio | 1.31x |
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 1991
0.33 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 1991
0.33 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