132 Shore Rush DrSaint Simons IslandGA31522
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 132 Shore Rush Dr, Saint Simons Island, GA, 31522 in Saint Simons Island fits: $1,285,000, 2.59% gross yield, and a projected 5% annual appreciation rate adding $355,022 in value within five years. Rental yield 2.59%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.48) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $11,835/yr in principal paydown and $355,022 in appreciation project a total return of $161,344.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.6% | 6.0% |
| Monthly Cash Flow | $(5,057) | $200 |
City averages based on Saint Simons Island market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,776 |
| Total Monthly Debt Service | $7,322 |
| DSCR Ratio | 0.38x |
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.
Single Family
Built in 1981
0.45 Acres lot
$N/A/sqft
$150 annually HOA
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 |
Housing Distribution
Address Breakdown
Residential
11,268
Single Family
9,782
Multi-Family
1,486
Businesses
1,233
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 1981
0.45 Acres lot
$N/A/sqft
$150 annually HOA
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 |
Housing Distribution
Address Breakdown
Residential
11,268
Single Family
9,782
Multi-Family
1,486
Businesses
1,233
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kate Danowski • DeLoach Sotheby's International Realty
Mls Name: GIAOR
Mls ID: #1653766
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.