302C E Water StBainbridgeGA39817
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 302C E Water St, Bainbridge, GA, 39817 in Bainbridge is narrow, $80/mo net on $1,054/mo rent after the $758/mo debt service, but the property operates at break-even-plus, not a loss. At $159,900 with a 7.91% yield, the long-run equity case via 5% appreciation ($44,177 over five years) and $1,340/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.39 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $62,783.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 7.0% |
| Monthly Cash Flow | $80 | $1,200 |
City averages based on Bainbridge market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,054 |
| Total Monthly Debt Service | $949 |
| DSCR Ratio | 1.11x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1890
N/A lot
$N/A/sqft
No HOA
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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
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Listed by: Hunter Bulger • Keller Williams Town & Country Realty
Mls Name: Southwest Georgia MLS
Mls ID: #14378
