2112 Brandon DrCullmanAL35058
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 2112 Brandon Dr, Cullman, AL, 35058 in Cullman: $2,759/mo in rent, $606/mo in net income, 8.68% gross yield, 1.61 DSCR, all at $381,400. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $105,374 in appreciation and $3,513/yr in principal paydown projects total cumulative return of $182,734.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.8% |
| Monthly Cash Flow | $606 | $450 |
City averages based on Cullman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,759 |
| Total Monthly Debt Service | $2,001 |
| DSCR Ratio | 1.38x |
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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35058, Cullman, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,205 (100%) |
| Owner Occupied HU | 3,767 (72.4%) |
| Renter Occupied HU | 1,041 (20.0%) |
| Vacant Housing Units | 397 ( 7.6%) |
| Median Home Value | $237,469 |
| Average Home Value | $288,506 |
Housing Distribution
Address Breakdown
Residential
4,991
Single Family
4,991
Multi-Family
0
Businesses
321
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 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35058, Cullman, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,205 (100%) |
| Owner Occupied HU | 3,767 (72.4%) |
| Renter Occupied HU | 1,041 (20.0%) |
| Vacant Housing Units | 397 ( 7.6%) |
| Median Home Value | $237,469 |
| Average Home Value | $288,506 |
Housing Distribution
Address Breakdown
Residential
4,991
Single Family
4,991
Multi-Family
0
Businesses
321
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
