1220 21st StColumbusGA31901
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 1220 21st St, Columbus, GA, 31901 in Columbus: $1,077/mo in rent, $332/mo in net income, 10.86% gross yield, 2.01 DSCR, all at $119,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $32,878 in appreciation and $1,096/yr in principal paydown projects total cumulative return of $66,569.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 4.2% |
| Monthly Cash Flow | $332 | $850 |
City averages based on Columbus market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,077 |
| Total Monthly Debt Service | $698 |
| DSCR Ratio | 1.54x |
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
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31901, Columbus, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,340 (100%) |
| Owner Occupied HU | 846 (19.5%) |
| Renter Occupied HU | 2,603 (60.0%) |
| Vacant Housing Units | 891 (20.5%) |
| Median Home Value | $222,959 |
| Average Home Value | $267,423 |
Housing Distribution
Address Breakdown
Residential
3,463
Single Family
2,549
Multi-Family
914
Businesses
877
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
4,356 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31901, Columbus, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,340 (100%) |
| Owner Occupied HU | 846 (19.5%) |
| Renter Occupied HU | 2,603 (60.0%) |
| Vacant Housing Units | 891 (20.5%) |
| Median Home Value | $222,959 |
| Average Home Value | $267,423 |
Housing Distribution
Address Breakdown
Residential
3,463
Single Family
2,549
Multi-Family
914
Businesses
877
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michelle Fields • Century 21 Premier Real Estate
Mls Name: CBORGA
Mls Provider:
Mls ID: #217912
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.