220 High StAdelGA31620
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.15% yield at 220 High St, Adel, GA, 31620 in Adel is solid, but the $854/mo payment compresses net cash flow to $134/mo at $189,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $52,466 by year five, and $1,749/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.51) without U.S. income documentation. Total projected return: $80,562.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 7.0% |
| Monthly Cash Flow | $134 | $300 |
City averages based on Adel market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,290 |
| Total Monthly Debt Service | $1,080 |
| DSCR Ratio | 1.19x |
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 1962
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31620, Adel, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,798 (100%) |
| Owner Occupied HU | 2,792 (58.2%) |
| Renter Occupied HU | 1,481 (30.9%) |
| Vacant Housing Units | 525 (10.9%) |
| Median Home Value | $167,915 |
| Average Home Value | $264,230 |
Housing Distribution
Address Breakdown
Residential
4,217
Single Family
4,217
Multi-Family
0
Businesses
476
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 1962
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31620, Adel, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,798 (100%) |
| Owner Occupied HU | 2,792 (58.2%) |
| Renter Occupied HU | 1,481 (30.9%) |
| Vacant Housing Units | 525 (10.9%) |
| Median Home Value | $167,915 |
| Average Home Value | $264,230 |
Housing Distribution
Address Breakdown
Residential
4,217
Single Family
4,217
Multi-Family
0
Businesses
476
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices