116 Royal LnGrayGA31032
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 116 Royal Ln, Gray, GA, 31032 in Gray speaks for itself: 11.69% gross on a $239,000 price, generating $2,328/mo in rent and $873/mo in net income after the $1,133/mo debt service. DSCR 2.05, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,481 stacks alongside $66,031 in projected five-year appreciation and $2,004/yr in principal reduction. Projected total cumulative return: $142,260.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 8.0% |
| Monthly Cash Flow | $873 | $300 |
City averages based on Gray market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,328 |
| Total Monthly Debt Service | $1,418 |
| DSCR Ratio | 1.64x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2005
1 Acres lot
$N/A/sqft
No HOA
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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
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