420 James StAileyGA30410
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 420 James St, Ailey, GA, 30410 in Ailey is straightforward: $265,000 in, $1,938/mo in rent, $325/mo out after debt service. The 8.78% gross yield and 1.63 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $73,215 by year five. With $2,441/yr in principal equity, the total cumulative return is projected at $121,315.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 8.0% |
| Monthly Cash Flow | $325 | $300 |
City averages based on Ailey market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,938 |
| Total Monthly Debt Service | $1,507 |
| DSCR Ratio | 1.29x |
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 1995
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30410, Ailey, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 705 (100%) |
| Owner Occupied HU | 450 (63.8%) |
| Renter Occupied HU | 148 (21.0%) |
| Vacant Housing Units | 107 (15.2%) |
| Median Home Value | $125,000 |
| Average Home Value | $191,361 |
Housing Distribution
Address Breakdown
Residential
613
Single Family
613
Multi-Family
0
Businesses
27
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 1995
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30410, Ailey, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 705 (100%) |
| Owner Occupied HU | 450 (63.8%) |
| Renter Occupied HU | 148 (21.0%) |
| Vacant Housing Units | 107 (15.2%) |
| Median Home Value | $125,000 |
| Average Home Value | $191,361 |
Housing Distribution
Address Breakdown
Residential
613
Single Family
613
Multi-Family
0
Businesses
27
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices