171 Thomas RdReynoldsGA31076
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 171 Thomas Rd, Reynolds, GA, 31076 in Reynolds: $873/mo in rent, $204/mo in net income, 9.52% gross yield, 1.76 DSCR, all at $110,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $30,391 in appreciation and $1,013/yr in principal paydown projects total cumulative return of $54,745.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 7.0% |
| Monthly Cash Flow | $204 | $1,200 |
City averages based on Reynolds market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $873 |
| Total Monthly Debt Service | $626 |
| DSCR Ratio | 1.40x |
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 1980
3.22 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31076, Reynolds, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,563 (100%) |
| Owner Occupied HU | 973 (62.3%) |
| Renter Occupied HU | 345 (22.1%) |
| Vacant Housing Units | 245 (15.7%) |
| Median Home Value | $138,564 |
| Average Home Value | $189,088 |
Housing Distribution
Address Breakdown
Residential
1,002
Single Family
1,001
Multi-Family
1
Businesses
80
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 1980
3.22 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31076, Reynolds, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,563 (100%) |
| Owner Occupied HU | 973 (62.3%) |
| Renter Occupied HU | 345 (22.1%) |
| Vacant Housing Units | 245 (15.7%) |
| Median Home Value | $138,564 |
| Average Home Value | $189,088 |
Housing Distribution
Address Breakdown
Residential
1,002
Single Family
1,001
Multi-Family
1
Businesses
80
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices