123 Maple St, Saint Simons Island, GA, 31522 | $118/mo Cash Flow

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Monthly Cash Flow: 1 - 3k+

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123 Maple St, Saint Simons Island, GA, 31522 | $118/mo Cash Flow | Ziffy

For Sale

Ziffy Mortgage

NMLS #2625701

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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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Investment Highlights

Investment property for sale in Saint Simons Island at 123 Maple St, Saint Simons Island, GA, 31522 listed at $575,000 pairs $3,617/mo rent with a $2,814/mo payment to leave $118/mo cash flow. Total monthly income runs $3,617/mo, and annual cash flow reaches $1,413/yr on $189,175 cash to close. Return on cash invested measures 20.81% in year one, and rental yield registers 7.55% at a $575,000 basis. Equity gained on principal adds $3,710/yr, and annual property appreciation at 5% supports $158,862 by year five. Five-year ROI tracks 107.49% and total cumulative return in cash totals $203,351. Financing can be arranged with Ziffy Mortgage’s DSCR loan, which qualifies using $3,617/mo property income relative to a $2,814/mo payment rather than your personal income (W2, Tax Returns, Paystubs, or 1099).

Single Family

Built in 2014

3,920 sqft lot

$N/A/sqft

No HOA

More details about the property

Live the island life in this charming mid-island 3 bedroom, 2.5 bath cottage on St. Simons! Designed with comfort and style in mind, this home features a welcoming front porch and a screened rear porch that opens to a sunny deck- perfect for easygoing days and casual entertaining. Inside, the soaring ceilings in the family room and cozy fireplace create a warm but open feel. The kitchen includes granite countertops, stainless appliances, breakfast bar, and charming breakfast nook. The primary suite on the main level offers a spa-like bath with separate tub and shower, double vanities, and double walk-in closets. Two upstairs bedrooms plus a full bath and loft area offer plenty of flexibility. The fenced back lawn includes a handy storage building and space to garden or play. Bright, breezy, and move-in ready, this is island cottage living at its best.

Neighborhood Data

Neighborhood data shown for ZIP Code: 31522, Saint Simons Island, GA area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	12,280 (100%)
Owner Occupied HU	6,783 (55.2%)
Renter Occupied HU	1,468 (12.0%)
Vacant Housing Units	4,029 (32.8%)
Median Home Value	$607,719
Average Home Value	$700,965