294/296 Stembridge RdMilledgevilleGA31061
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 294/296 Stembridge Rd, Milledgeville, GA, 31061 in Milledgeville speaks for itself: 27.02% gross on a $119,900 price, generating $2,700/mo in rent and $1,970/mo in net income after the $539/mo debt service. DSCR 5.01, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $23,643 stacks alongside $33,126 in projected five-year appreciation and $1,104/yr in principal reduction. Projected total cumulative return: $172,260.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 27% | 6.0% |
| Monthly Cash Flow | $1,970 | $300 |
City averages based on Milledgeville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,700 |
| Total Monthly Debt Service | $682 |
| DSCR Ratio | 3.96x |
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 1975
7.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31061, Milledgeville, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,866 (100%) |
| Owner Occupied HU | 9,803 (49.3%) |
| Renter Occupied HU | 6,348 (32.0%) |
| Vacant Housing Units | 3,715 (18.7%) |
| Median Home Value | $224,135 |
| Average Home Value | $295,359 |
Housing Distribution
Address Breakdown
Residential
17,899
Single Family
16,975
Multi-Family
924
Businesses
1,303
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 1975
7.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31061, Milledgeville, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,866 (100%) |
| Owner Occupied HU | 9,803 (49.3%) |
| Renter Occupied HU | 6,348 (32.0%) |
| Vacant Housing Units | 3,715 (18.7%) |
| Median Home Value | $224,135 |
| Average Home Value | $295,359 |
Housing Distribution
Address Breakdown
Residential
17,899
Single Family
16,975
Multi-Family
924
Businesses
1,303
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices