259 Whitewater RdFitzgeraldGA31750
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 259 Whitewater Rd, Fitzgerald, GA, 31750 in Fitzgerald is narrow, $140/mo net on $1,204/mo rent after the $729/mo debt service, but the property operates at break-even-plus, not a loss. At $162,100 with a 8.26% yield, the long-run equity case via 5% appreciation ($44,785 over five years) and $1,493/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.65 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $75,393.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 7.0% |
| Monthly Cash Flow | $140 | $300 |
City averages based on Fitzgerald market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,204 |
| Total Monthly Debt Service | $922 |
| DSCR Ratio | 1.31x |
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.
Manufactured
Built in 1998
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31750, Fitzgerald, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,566 (100%) |
| Owner Occupied HU | 4,661 (54.4%) |
| Renter Occupied HU | 2,862 (33.4%) |
| Vacant Housing Units | 1,043 (12.2%) |
| Median Home Value | $150,969 |
| Average Home Value | $179,994 |
Housing Distribution
Address Breakdown
Residential
7,551
Single Family
7,320
Multi-Family
231
Businesses
675
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
Manufactured
Built in 1998
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31750, Fitzgerald, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,566 (100%) |
| Owner Occupied HU | 4,661 (54.4%) |
| Renter Occupied HU | 2,862 (33.4%) |
| Vacant Housing Units | 1,043 (12.2%) |
| Median Home Value | $150,969 |
| Average Home Value | $179,994 |
Housing Distribution
Address Breakdown
Residential
7,551
Single Family
7,320
Multi-Family
231
Businesses
675
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