209 Needlecrest DrGrayGA31032
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Gray rental at 209 Needlecrest Dr, Gray, GA, 31032 sits in the solid-income band: 9.36% gross yield, $1,865/mo rent, $410/mo net after the $1,075/mo debt service, DSCR 1.73. Entry price of $239,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $66,031 and $2,201/yr in principal reduction bring total cumulative return to $116,953.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 8.0% |
| Monthly Cash Flow | $410 | $300 |
City averages based on Gray market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,865 |
| Total Monthly Debt Service | $1,360 |
| DSCR Ratio | 1.37x |
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 1974
0.47 Acres lot
$N/A/sqft
No HOA
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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 1974
0.47 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices