601 County Road 1177CullmanAL35057
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 601 County Road 1177, Cullman, AL, 35057 in Cullman. At $259,900 it earns $1,711/mo in rent and distributes $244/mo to the owner after the $1,169/mo payment, a consistent 7.9% yield. DSCR 1.46 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $71,806 in value; $2,394/yr in principal paydown compounds ownership stake. Total projected return: $113,664.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.8% |
| Monthly Cash Flow | $244 | $450 |
City averages based on Cullman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,711 |
| Total Monthly Debt Service | $1,364 |
| DSCR Ratio | 1.25x |
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.
Manufactured
Built in 2020
2.50 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
Manufactured
Built in 2020
2.50 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: Brad Ponder • ALABAMA REALTY GROUP
Mls Name: Strategic MLS Alliance
Mls ID: #519800
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.