207 Darsey RdNaylorGA31641
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 207 Darsey Rd, Naylor, GA, 31641 in Naylor. Rental yield 1.19%. At $1,650,000 with 1.19% gross yield, current distributions are modest, but the 5% appreciation rate projects $455,865 in new equity by year five, complemented by $15,197/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.22) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $83,669.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.2% | 6.5% |
| Monthly Cash Flow | $(8,411) | $300 |
City averages based on Naylor market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,631 |
| Total Monthly Debt Service | $9,386 |
| DSCR Ratio | 0.17x |
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 N/A
323 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31641, Naylor, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 844 (100%) |
| Owner Occupied HU | 655 (77.6%) |
| Renter Occupied HU | 105 (12.4%) |
| Vacant Housing Units | 84 ( 10.0%) |
| Median Home Value | $193,319 |
| Average Home Value | $251,218 |
Housing Distribution
Address Breakdown
Residential
804
Single Family
804
Multi-Family
0
Businesses
22
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 N/A
323 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31641, Naylor, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 844 (100%) |
| Owner Occupied HU | 655 (77.6%) |
| Renter Occupied HU | 105 (12.4%) |
| Vacant Housing Units | 84 ( 10.0%) |
| Median Home Value | $193,319 |
| Average Home Value | $251,218 |
Housing Distribution
Address Breakdown
Residential
804
Single Family
804
Multi-Family
0
Businesses
22
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices