428 N Montz AveGramercyLA70052
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 428 N Montz Ave, Gramercy, LA, 70052 in Gramercy worth study. Rental yield 5.54%. The 5.54% gross yield is below cash-flow benchmarks at $260,000, but 5% annual appreciation, adding $71,833 over five years, frames this as a capital growth position. Rent of $1,200/mo partially offsets the $1,169/mo payment. Ziffy Mortgage finances appreciation-play properties (1.03 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $72,165.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 6.2% |
| Monthly Cash Flow | $(411) | $850 |
City averages based on Gramercy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,200 |
| Total Monthly Debt Service | $1,507 |
| DSCR Ratio | 0.80x |
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 1970
7,840 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 1970
7,840 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices