39320 Saint Charles AveGonzalesLA70737
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 39320 Saint Charles Ave, Gonzales, LA, 70737 in Gonzales is narrow, $107/mo net on $2,040/mo rent after the $1,349/mo debt service, but the property operates at break-even-plus, not a loss. At $299,900 with a 8.16% yield, the long-run equity case via 5% appreciation ($82,857 over five years) and $2,762/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.51 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $125,467.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.2% |
| Monthly Cash Flow | $107 | $325 |
City averages based on Gonzales market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,040 |
| Total Monthly Debt Service | $1,738 |
| DSCR Ratio | 1.17x |
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 2013
8,598 sqft lot
$N/A/sqft
No HOA
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 2013
8,598 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices