239 Banks Ridge DrBaldwinGA30511
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 239 Banks Ridge Dr, Baldwin, GA, 30511 in Baldwin is listed at $309,000 and delivers $2,340/mo in rent and $455/mo in net monthly cash flow. The 9.09% yield and 1.68 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $85,371 over five years, and $2,846/yr in principal reduction supplements cash return. Total projected cumulative return: $146,384.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 8.0% |
| Monthly Cash Flow | $455 | $500 |
City averages based on Baldwin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,340 |
| Total Monthly Debt Service | $1,762 |
| DSCR Ratio | 1.33x |
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 2004
1.13 Acres lot
$N/A/sqft
$50 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30511, Baldwin, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,550 (100%) |
| Owner Occupied HU | 950 (61.3%) |
| Renter Occupied HU | 473 (30.5%) |
| Vacant Housing Units | 127 ( 8.2%) |
| Median Home Value | $306,748 |
| Average Home Value | $294,387 |
Housing Distribution
Address Breakdown
Residential
1,256
Single Family
1,256
Multi-Family
0
Businesses
140
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 2004
1.13 Acres lot
$N/A/sqft
$50 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30511, Baldwin, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,550 (100%) |
| Owner Occupied HU | 950 (61.3%) |
| Renter Occupied HU | 473 (30.5%) |
| Vacant Housing Units | 127 ( 8.2%) |
| Median Home Value | $306,748 |
| Average Home Value | $294,387 |
Housing Distribution
Address Breakdown
Residential
1,256
Single Family
1,256
Multi-Family
0
Businesses
140
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices