10894 Bains RdSaint FrancisvilleLA70775
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 10894 Bains Rd, Saint Francisville, LA, 70775 in Saint Francisville is capital appreciation. Rental yield 4.88%. The 4.88% gross yield at $590,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $163,006 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.90) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $142,981.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 7.0% |
| Monthly Cash Flow | $(1,255) | $300 |
City averages based on Saint Francisville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,400 |
| Total Monthly Debt Service | $3,420 |
| DSCR Ratio | 0.70x |
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 1974
8.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 70775, Saint Francisville, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,228 (100%) |
| Owner Occupied HU | 3,165 (60.5%) |
| Renter Occupied HU | 834 (16.0%) |
| Vacant Housing Units | 1,229 (23.5%) |
| Median Home Value | $292,450 |
| Average Home Value | $344,765 |
Housing Distribution
Address Breakdown
Residential
2,971
Single Family
2,902
Multi-Family
69
Businesses
324
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 1974
8.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 70775, Saint Francisville, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,228 (100%) |
| Owner Occupied HU | 3,165 (60.5%) |
| Renter Occupied HU | 834 (16.0%) |
| Vacant Housing Units | 1,229 (23.5%) |
| Median Home Value | $292,450 |
| Average Home Value | $344,765 |
Housing Distribution
Address Breakdown
Residential
2,971
Single Family
2,902
Multi-Family
69
Businesses
324
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: ROAM MLS
Mls ID: #2026003950