400 Railroad StGrayGA31032
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 400 Railroad St, Gray, GA, 31032 in Gray speaks for itself: 12.02% gross on a $365,000 price, generating $3,655/mo in rent and $1,414/mo in net income after the $1,641/mo debt service. DSCR 2.23, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $16,965 stacks alongside $100,843 in projected five-year appreciation and $3,362/yr in principal reduction. Projected total cumulative return: $229,344.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 8.0% |
| Monthly Cash Flow | $1,414 | $300 |
City averages based on Gray market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,655 |
| Total Monthly Debt Service | $2,096 |
| DSCR Ratio | 1.74x |
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 2006
1.29 Acres lot
$N/A/sqft
$240 annually HOA
Nearby investment properties with comparable rents
- 3 Bed
- 2 Bath
- 1512 sft
- 3 Bed
- 3 Bath
- 3017 sft
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 2006
1.29 Acres lot
$N/A/sqft
$240 annually HOA
Nearby investment properties with comparable rents
- 3 Bed
- 2 Bath
- 1512 sft
- 3 Bed
- 3 Bath
- 3017 sft
Nearby investment properties with comparable prices