204 Ridgeway DrAmericusGA31709
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 204 Ridgeway Dr, Americus, GA, 31709 in Americus speaks for itself: 14.74% gross on a $155,000 price, generating $1,904/mo in rent and $875/mo in net income after the $697/mo debt service. DSCR 2.73, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $10,494 stacks alongside $42,824 in projected five-year appreciation and $1,428/yr in principal reduction. Projected total cumulative return: $115,350.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.7% | 8.0% |
| Monthly Cash Flow | $875 | $300 |
City averages based on Americus market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,904 |
| Total Monthly Debt Service | $968 |
| DSCR Ratio | 1.97x |
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 1955
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31709, Americus, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,866 (100%) |
| Owner Occupied HU | 2,958 (43.1%) |
| Renter Occupied HU | 3,175 (46.2%) |
| Vacant Housing Units | 733 (10.7%) |
| Median Home Value | $195,148 |
| Average Home Value | $253,458 |
Housing Distribution
Address Breakdown
Residential
6,079
Single Family
5,878
Multi-Family
201
Businesses
863
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 1955
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31709, Americus, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,866 (100%) |
| Owner Occupied HU | 2,958 (43.1%) |
| Renter Occupied HU | 3,175 (46.2%) |
| Vacant Housing Units | 733 (10.7%) |
| Median Home Value | $195,148 |
| Average Home Value | $253,458 |
Housing Distribution
Address Breakdown
Residential
6,079
Single Family
5,878
Multi-Family
201
Businesses
863
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices