1885 Richardson Mill RdFort ValleyGA31030
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 1885 Richardson Mill Rd, Fort Valley, GA, 31030 in Fort Valley: $1,934/mo in rent, $431/mo in net income, 9.4% gross yield, 1.74 DSCR, all at $247,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $68,242 in appreciation and $2,275/yr in principal paydown projects total cumulative return of $121,260.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 7.0% |
| Monthly Cash Flow | $431 | $400 |
City averages based on Fort Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,934 |
| Total Monthly Debt Service | $1,405 |
| DSCR Ratio | 1.38x |
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 2007
2.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31030, Fort Valley, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,792 (100%) |
| Owner Occupied HU | 4,132 (53.0%) |
| Renter Occupied HU | 2,618 (33.6%) |
| Vacant Housing Units | 1,042 (13.4%) |
| Median Home Value | $181,798 |
| Average Home Value | $278,789 |
Housing Distribution
Address Breakdown
Residential
6,937
Single Family
6,686
Multi-Family
251
Businesses
564
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 2007
2.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31030, Fort Valley, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,792 (100%) |
| Owner Occupied HU | 4,132 (53.0%) |
| Renter Occupied HU | 2,618 (33.6%) |
| Vacant Housing Units | 1,042 (13.4%) |
| Median Home Value | $181,798 |
| Average Home Value | $278,789 |
Housing Distribution
Address Breakdown
Residential
6,937
Single Family
6,686
Multi-Family
251
Businesses
564
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Trisha Laine • SOUTHERN LUXURY GROUP REALTY
Mls Name: CGMLS
Mls ID: #260358