124 Avalon Trace Dr UNIT 124PonchatoulaLA70454
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 124 Avalon Trace Dr UNIT 124, Ponchatoula, LA, 70454 in Ponchatoula is narrow, $45/mo net on $1,120/mo rent after the $780/mo debt service, but the property operates at break-even-plus, not a loss. At $173,500 with a 7.74% yield, the long-run equity case via 5% appreciation ($47,935 over five years) and $1,598/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.44 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $54,945.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 7.8% |
| Monthly Cash Flow | $45 | $450 |
City averages based on Ponchatoula market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,120 |
| Total Monthly Debt Service | $1,236 |
| DSCR Ratio | 0.91x |
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.
Condo
Built in 2004
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 70454, Ponchatoula, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,026 (100%) |
| Owner Occupied HU | 11,220 (74.7%) |
| Renter Occupied HU | 2,717 (18.1%) |
| Vacant Housing Units | 1,089 ( 7.2%) |
| Median Home Value | $234,027 |
| Average Home Value | $258,589 |
Housing Distribution
Address Breakdown
Residential
14,785
Single Family
14,597
Multi-Family
188
Businesses
610
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
Condo
Built in 2004
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 70454, Ponchatoula, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,026 (100%) |
| Owner Occupied HU | 11,220 (74.7%) |
| Renter Occupied HU | 2,717 (18.1%) |
| Vacant Housing Units | 1,089 ( 7.2%) |
| Median Home Value | $234,027 |
| Average Home Value | $258,589 |
Housing Distribution
Address Breakdown
Residential
14,785
Single Family
14,597
Multi-Family
188
Businesses
610
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stacy Haverkamp • Barden Realty, LLC
Mls Name: GSREIN
Mls Provider:
Mls ID: #2483910
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