3638 Seedling LnValdostaGA31601
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 3638 Seedling Ln, Valdosta, GA, 31601 in Valdosta. At $283,364 it earns $2,263/mo in rent and distributes $236/mo to the owner after the $1,274/mo payment, a consistent 8.24% yield. DSCR 1.78 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $78,288 in value; $2,610/yr in principal paydown compounds ownership stake. Total projected return: $140,869.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.5% |
| Monthly Cash Flow | $236 | $1,200 |
City averages based on Valdosta market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,263 |
| Total Monthly Debt Service | $1,631 |
| DSCR Ratio | 1.39x |
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 2022
0.43 Acres lot
$N/A/sqft
$150 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31601, Valdosta, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,621 (100%) |
| Owner Occupied HU | 6,275 (40.2%) |
| Renter Occupied HU | 7,339 (47.0%) |
| Vacant Housing Units | 2,007 (12.8%) |
| Median Home Value | $153,972 |
| Average Home Value | $212,749 |
Housing Distribution
Address Breakdown
Residential
12,812
Single Family
12,019
Multi-Family
793
Businesses
1,552
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 2022
0.43 Acres lot
$N/A/sqft
$150 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31601, Valdosta, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,621 (100%) |
| Owner Occupied HU | 6,275 (40.2%) |
| Renter Occupied HU | 7,339 (47.0%) |
| Vacant Housing Units | 2,007 (12.8%) |
| Median Home Value | $153,972 |
| Average Home Value | $212,749 |
Housing Distribution
Address Breakdown
Residential
12,812
Single Family
12,019
Multi-Family
793
Businesses
1,552
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
