The Laurel J Plan, Noble RidgeCullmanAL35058
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: The Laurel J Plan, Noble Ridge, Cullman, AL, 35058 in Cullman at $309,900 earns $1,830/mo in rent and nets $57/mo after the $1,394/mo payment, a 7.09% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $85,620 over five years. Ziffy Mortgage underwrites this on a 1.31 DSCR without U.S. credit history. With $2,854/yr in principal paydown, total projected return reaches $120,519.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 6.8% |
| Monthly Cash Flow | $57 | $450 |
City averages based on Cullman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,830 |
| Total Monthly Debt Service | $1,650 |
| DSCR Ratio | 1.11x |
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
$24 monthly 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 2026
N/A lot
$N/A/sqft
$24 monthly 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
