365 Strawder RdRay CityGA31645
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeA DSCR of 1.73 makes 365 Strawder Rd, Ray City, GA, 31645 in Ray City one of the easier properties to finance via Ziffy Mortgage's rental-income underwriting. Rental yield 9.56%. The 9.56% yield, 5% annual appreciation ($38,127 over five years), and $1,271/yr in principal reduction project a total cumulative return of $46,744.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 8.0% |
| Monthly Cash Flow | $(82) | $200 |
City averages based on Ray City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,073 |
| Total Monthly Debt Service | $1,127 |
| DSCR Ratio | 0.95x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 N/A
17.20 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
Single Family
Built in N/A
17.20 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