2260 Cullman RdArabAL35016
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.44% gross rental yield, 2260 Cullman Rd, Arab, AL, 35016 in Arab is priced for capital growth, not immediate cash flow. The $259,900 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $71,806 by year five, with $2,394/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.01) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $79,368.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 6.2% |
| Monthly Cash Flow | $(289) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,178 |
| Total Monthly Debt Service | $1,364 |
| DSCR Ratio | 0.86x |
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
0.69 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35016, Arab, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,914 (100%) |
| Owner Occupied HU | 5,520 (69.7%) |
| Renter Occupied HU | 1,893 (23.9%) |
| Vacant Housing Units | 501 ( 6.3%) |
| Median Home Value | $222,561 |
| Average Home Value | $269,948 |
Housing Distribution
Address Breakdown
Residential
7,656
Single Family
7,333
Multi-Family
323
Businesses
643
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
0.69 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35016, Arab, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,914 (100%) |
| Owner Occupied HU | 5,520 (69.7%) |
| Renter Occupied HU | 1,893 (23.9%) |
| Vacant Housing Units | 501 ( 6.3%) |
| Median Home Value | $222,561 |
| Average Home Value | $269,948 |
Housing Distribution
Address Breakdown
Residential
7,656
Single Family
7,333
Multi-Family
323
Businesses
643
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices