4930 County Road 437CullmanAL35057
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 4930 County Road 437, Cullman, AL, 35057 in Cullman worth study. Rental yield 4.74%. The 4.74% gross yield is below cash-flow benchmarks at $710,000, but 5% annual appreciation, adding $196,160 over five years, frames this as a capital growth position. Rent of $2,802/mo partially offsets the $3,193/mo payment. Ziffy Mortgage finances appreciation-play properties (0.88 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $189,957.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 6.8% |
| Monthly Cash Flow | $(1,206) | $450 |
City averages based on Cullman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,802 |
| Total Monthly Debt Service | $3,725 |
| DSCR Ratio | 0.75x |
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 2022
20 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 2022
20 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
Listed by: Michelle Joiner • ERA Waldrop Real Estate
Mls Name: GALMLS
Mls Provider:
Mls ID: #21408762
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.