177 Sawgrass LoopPembrokeGA31321
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 177 Sawgrass Loop, Pembroke, GA, 31321 in Pembroke fits: $355,462, 4.66% gross yield, and a projected 5% annual appreciation rate adding $98,208 in value within five years. Rental yield 4.66%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.86) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $3,274/yr in principal paydown and $98,208 in appreciation project a total return of $84,264.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 8.0% |
| Monthly Cash Flow | $(825) | $150 |
City averages based on Pembroke market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,380 |
| Total Monthly Debt Service | $2,022 |
| DSCR Ratio | 0.68x |
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 2026
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31321, Pembroke, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,090 (100%) |
| Owner Occupied HU | 2,111 (68.3%) |
| Renter Occupied HU | 711 (23.0%) |
| Vacant Housing Units | 268 ( 8.7%) |
| Median Home Value | $247,331 |
| Average Home Value | $278,251 |
Housing Distribution
Address Breakdown
Residential
2,751
Single Family
2,666
Multi-Family
85
Businesses
141
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 2026
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31321, Pembroke, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,090 (100%) |
| Owner Occupied HU | 2,111 (68.3%) |
| Renter Occupied HU | 711 (23.0%) |
| Vacant Housing Units | 268 ( 8.7%) |
| Median Home Value | $247,331 |
| Average Home Value | $278,251 |
Housing Distribution
Address Breakdown
Residential
2,751
Single Family
2,666
Multi-Family
85
Businesses
141
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices