2129 Brandon Dr NECullmanAL35058
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 2129 Brandon Dr NE, Cullman, AL, 35058 in Cullman worth study. Rental yield 5.35%. The 5.35% gross yield is below cash-flow benchmarks at $413,900, but 5% annual appreciation, adding $114,353 over five years, frames this as a capital growth position. Rent of $1,844/mo partially offsets the $1,861/mo payment. Ziffy Mortgage finances appreciation-play properties (0.99 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $122,450.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 6.8% |
| Monthly Cash Flow | $(523) | $450 |
City averages based on Cullman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,844 |
| Total Monthly Debt Service | $2,203 |
| DSCR Ratio | 0.84x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
0.30 Acres lot
$N/A/sqft
$375 annually 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
0.30 Acres lot
$N/A/sqft
$375 annually 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
Listed by: SONYA GREEN • DAVIDSON HOMES LLC
Mls Name: Strategic MLS Alliance
Mls ID: #518640
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.