212 Saint James AveSaint Simons IslandGA31522
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play212 Saint James Ave, Saint Simons Island, GA, 31522 in Saint Simons Island is priced for appreciation, not yield. Rental yield 4.13%. At $1,230,500 with a 4.13% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $339,964 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.31) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $440,916.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.0% |
| Monthly Cash Flow | $(5,692) | $200 |
City averages based on Saint Simons Island market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,234 |
| Total Monthly Debt Service | $7,144 |
| DSCR Ratio | 1.01x |
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 2002
1.20 Acres lot
$N/A/sqft
$145 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31522, Saint Simons Island, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,280 (100%) |
| Owner Occupied HU | 6,783 (55.2%) |
| Renter Occupied HU | 1,468 (12.0%) |
| Vacant Housing Units | 4,029 (32.8%) |
| Median Home Value | $607,719 |
| Average Home Value | $700,965 |
Housing Distribution
Address Breakdown
Residential
11,268
Single Family
9,782
Multi-Family
1,486
Businesses
1,233
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 2002
1.20 Acres lot
$N/A/sqft
$145 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31522, Saint Simons Island, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,280 (100%) |
| Owner Occupied HU | 6,783 (55.2%) |
| Renter Occupied HU | 1,468 (12.0%) |
| Vacant Housing Units | 4,029 (32.8%) |
| Median Home Value | $607,719 |
| Average Home Value | $700,965 |
Housing Distribution
Address Breakdown
Residential
11,268
Single Family
9,782
Multi-Family
1,486
Businesses
1,233
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A