2645 County Road 469CullmanAL35057
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 2645 County Road 469, Cullman, AL, 35057 in Cullman is straightforward: $325,000 in, $2,179/mo in rent, $345/mo out after debt service. The 8.05% gross yield and 1.49 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $89,792 by year five. With $2,993/yr in principal equity, the total cumulative return is projected at $144,690.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.8% |
| Monthly Cash Flow | $345 | $450 |
City averages based on Cullman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,179 |
| Total Monthly Debt Service | $1,705 |
| DSCR Ratio | 1.28x |
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 1976
2.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35057, Cullman, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,502 (100%) |
| Owner Occupied HU | 4,634 (71.3%) |
| Renter Occupied HU | 1,044 (16.1%) |
| Vacant Housing Units | 824 (12.7%) |
| Median Home Value | $242,343 |
| Average Home Value | $300,679 |
Housing Distribution
Address Breakdown
Residential
6,221
Single Family
6,221
Multi-Family
0
Businesses
206
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 1976
2.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35057, Cullman, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,502 (100%) |
| Owner Occupied HU | 4,634 (71.3%) |
| Renter Occupied HU | 1,044 (16.1%) |
| Vacant Housing Units | 824 (12.7%) |
| Median Home Value | $242,343 |
| Average Home Value | $300,679 |
Housing Distribution
Address Breakdown
Residential
6,221
Single Family
6,221
Multi-Family
0
Businesses
206
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices