40129 River Winds CtGonzalesLA70737
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.98% gross rental yield, 40129 River Winds Ct, Gonzales, LA, 70737 in Gonzales is priced for capital growth, not immediate cash flow. The $960,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $265,230 by year five, with $8,842/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.74) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $167,243.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 6.2% |
| Monthly Cash Flow | $(3,079) | $325 |
City averages based on Gonzales market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,180 |
| Total Monthly Debt Service | $5,877 |
| DSCR Ratio | 0.54x |
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 2017
0.48 Acres lot
$N/A/sqft
$1,440 annually 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 2017
0.48 Acres lot
$N/A/sqft
$1,440 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: David Torns • PINO & Associates
Mls Name: ROAM MLS
Mls Provider:
Mls ID: #2025013344
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Copyright 2025 ROAM MLS.