295 Smith Dairy RdRay CityGA31645
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 295 Smith Dairy Rd, Ray City, GA, 31645 in Ray City at $174,000 earns $1,204/mo in rent and nets $145/mo after the $782/mo payment, a 8.3% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $48,073 over five years. Ziffy Mortgage underwrites this on a 1.54 DSCR without U.S. credit history. With $1,603/yr in principal paydown, total projected return reaches $75,281.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 8.0% |
| Monthly Cash Flow | $145 | $200 |
City averages based on Ray City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,204 |
| Total Monthly Debt Service | $990 |
| DSCR Ratio | 1.22x |
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 1995
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31645, Ray City, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,167 (100%) |
| Owner Occupied HU | 1,329 (61.3%) |
| Renter Occupied HU | 624 (28.8%) |
| Vacant Housing Units | 214 ( 9.9%) |
| Median Home Value | $181,706 |
| Average Home Value | $190,028 |
Housing Distribution
Address Breakdown
Residential
1,863
Single Family
1,863
Multi-Family
0
Businesses
45
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 1995
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31645, Ray City, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,167 (100%) |
| Owner Occupied HU | 1,329 (61.3%) |
| Renter Occupied HU | 624 (28.8%) |
| Vacant Housing Units | 214 ( 9.9%) |
| Median Home Value | $181,706 |
| Average Home Value | $190,028 |
Housing Distribution
Address Breakdown
Residential
1,863
Single Family
1,863
Multi-Family
0
Businesses
45
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
