2620 Pine Valley RdAlbanyGA31707
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 2620 Pine Valley Rd, Albany, GA, 31707 in Albany. At $155,000 it earns $1,184/mo in rent and distributes $241/mo to the owner after the $697/mo payment, a consistent 9.17% yield. DSCR 1.70 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $42,824 in value; $1,428/yr in principal paydown compounds ownership stake. Total projected return: $74,226.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 7.5% |
| Monthly Cash Flow | $241 | $350 |
City averages based on Albany market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,184 |
| Total Monthly Debt Service | $882 |
| DSCR Ratio | 1.34x |
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 1965
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31707, Albany, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,486 (100%) |
| Owner Occupied HU | 4,426 (38.5%) |
| Renter Occupied HU | 5,678 (49.4%) |
| Vacant Housing Units | 1,382 (12.0%) |
| Median Home Value | $143,424 |
| Average Home Value | $181,357 |
Housing Distribution
Address Breakdown
Residential
11,610
Single Family
10,660
Multi-Family
950
Businesses
1,341
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 1965
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31707, Albany, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,486 (100%) |
| Owner Occupied HU | 4,426 (38.5%) |
| Renter Occupied HU | 5,678 (49.4%) |
| Vacant Housing Units | 1,382 (12.0%) |
| Median Home Value | $143,424 |
| Average Home Value | $181,357 |
Housing Distribution
Address Breakdown
Residential
11,610
Single Family
10,660
Multi-Family
950
Businesses
1,341
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices