445 County Road 1664CullmanAL35058
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 445 County Road 1664, Cullman, AL, 35058 in Cullman. Priced at $209,900, it generates $1,919/mo in gross rent and $734/mo in net monthly cash flow, a 10.97% yield that comfortably supports the 2.03 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,808. Five-year appreciation: $57,992. Equity from principal paydown: $1,933/yr. Total projected cumulative return: $126,358.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.8% |
| Monthly Cash Flow | $734 | $450 |
City averages based on Cullman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,919 |
| Total Monthly Debt Service | $1,101 |
| DSCR Ratio | 1.74x |
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 2025
0.48 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 2025
0.48 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
Listed by: Wes Warren • Happy Homes Real Estate
Mls Name: Strategic MLS Alliance
Mls ID: #524089
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.