301 Shirley RdAmericusGA31709
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.67% yield at 301 Shirley Rd, Americus, GA, 31709 in Americus is solid, but the $1,246/mo payment compresses net cash flow to $54/mo at $277,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $76,530 by year five, and $2,551/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.42) without U.S. income documentation. Total projected return: $108,504.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 8.0% |
| Monthly Cash Flow | $54 | $300 |
City averages based on Americus market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,771 |
| Total Monthly Debt Service | $1,607 |
| DSCR Ratio | 1.10x |
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 1998
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31709, Americus, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,866 (100%) |
| Owner Occupied HU | 2,958 (43.1%) |
| Renter Occupied HU | 3,175 (46.2%) |
| Vacant Housing Units | 733 (10.7%) |
| Median Home Value | $195,148 |
| Average Home Value | $253,458 |
Housing Distribution
Address Breakdown
Residential
6,079
Single Family
5,878
Multi-Family
201
Businesses
863
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 1998
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31709, Americus, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,866 (100%) |
| Owner Occupied HU | 2,958 (43.1%) |
| Renter Occupied HU | 3,175 (46.2%) |
| Vacant Housing Units | 733 (10.7%) |
| Median Home Value | $195,148 |
| Average Home Value | $253,458 |
Housing Distribution
Address Breakdown
Residential
6,079
Single Family
5,878
Multi-Family
201
Businesses
863
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices