247 County Road 1667CullmanAL35058
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.27% yield at 247 County Road 1667, Cullman, AL, 35058 in Cullman is solid, but the $1,342/mo payment compresses net cash flow to $122/mo at $298,500. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $82,470 by year five, and $2,749/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.35) without U.S. income documentation. Total projected return: $120,400.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.8% |
| Monthly Cash Flow | $122 | $450 |
City averages based on Cullman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,807 |
| Total Monthly Debt Service | $1,566 |
| DSCR Ratio | 1.15x |
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 1990
4 Acres 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 1990
4 Acres 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