12956 Adger RdGilliamLA71029
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.14% yield at 12956 Adger Rd, Gilliam, LA, 71029 in Gilliam is solid, but the $1,113/mo payment compresses net cash flow to $146/mo at $247,500. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $68,380 by year five, and $2,280/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.51) without U.S. income documentation. Total projected return: $103,293.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 9.0% |
| Monthly Cash Flow | $146 | $400 |
City averages based on Gilliam market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,679 |
| Total Monthly Debt Service | $1,435 |
| DSCR Ratio | 1.17x |
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 N/A
0.85 Acres lot
$N/A/sqft
No HOA
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 N/A
0.85 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices