1106 Oak St NWTownsendGA31331
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 1106 Oak St NW, Townsend, GA, 31331 in Townsend is narrow, $167/mo net on $805/mo rent after the $472/mo debt service, but the property operates at break-even-plus, not a loss. At $104,900 with a 9.21% yield, the long-run equity case via 5% appreciation ($28,982 over five years) and $966/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.71 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $50,430.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 8.0% |
| Monthly Cash Flow | $167 | $1,200 |
City averages based on Townsend market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $805 |
| Total Monthly Debt Service | $597 |
| DSCR Ratio | 1.35x |
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 1937
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31331, Townsend, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,077 (100%) |
| Owner Occupied HU | 2,238 (54.9%) |
| Renter Occupied HU | 441 (10.8%) |
| Vacant Housing Units | 1,398 (34.3%) |
| Median Home Value | $226,210 |
| Average Home Value | $289,660 |
Housing Distribution
Address Breakdown
Residential
3,091
Single Family
3,066
Multi-Family
25
Businesses
165
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 1937
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31331, Townsend, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,077 (100%) |
| Owner Occupied HU | 2,238 (54.9%) |
| Renter Occupied HU | 441 (10.8%) |
| Vacant Housing Units | 1,398 (34.3%) |
| Median Home Value | $226,210 |
| Average Home Value | $289,660 |
Housing Distribution
Address Breakdown
Residential
3,091
Single Family
3,066
Multi-Family
25
Businesses
165
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices