The Aaron Plan, EllsworthCullmanAL35055
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate The Aaron Plan, Ellsworth, Cullman, AL, 35055 in Cullman. At $244,900 it earns $1,805/mo in rent and distributes $422/mo to the owner after the $1,101/mo payment, a consistent 8.84% yield. DSCR 1.64 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $67,661 in value; $2,256/yr in principal paydown compounds ownership stake. Total projected return: $119,527.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.8% |
| Monthly Cash Flow | $422 | $450 |
City averages based on Cullman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,805 |
| Total Monthly Debt Service | $1,285 |
| DSCR Ratio | 1.40x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35055, Cullman, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,021 (100%) |
| Owner Occupied HU | 5,828 (58.2%) |
| Renter Occupied HU | 3,463 (34.6%) |
| Vacant Housing Units | 730 ( 7.3%) |
| Median Home Value | $220,401 |
| Average Home Value | $299,158 |
Housing Distribution
Address Breakdown
Residential
9,620
Single Family
8,898
Multi-Family
722
Businesses
1,181
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 35055, Cullman, AL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,021 (100%) |
| Owner Occupied HU | 5,828 (58.2%) |
| Renter Occupied HU | 3,463 (34.6%) |
| Vacant Housing Units | 730 ( 7.3%) |
| Median Home Value | $220,401 |
| Average Home Value | $299,158 |
Housing Distribution
Address Breakdown
Residential
9,620
Single Family
8,898
Multi-Family
722
Businesses
1,181
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
