504 Bernard AveAmaLA70031
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 504 Bernard Ave, Ama, LA, 70031 in Ama. At $449,000 it earns $3,565/mo in rent and distributes $784/mo to the owner after the $2,019/mo payment, a consistent 9.53% yield. DSCR 1.77 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $124,050 in value; $4,135/yr in principal paydown compounds ownership stake. Total projected return: $220,736.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 6.2% |
| Monthly Cash Flow | $784 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $3,565 |
| Total Monthly Debt Service | $2,603 |
| DSCR Ratio | 1.37x |
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 2020
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 70031, Ama, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 580 (100%) |
| Owner Occupied HU | 463 (79.8%) |
| Renter Occupied HU | 66 (11.4%) |
| Vacant Housing Units | 51 ( 8.8%) |
| Median Home Value | $221,580 |
| Average Home Value | $219,455 |
Housing Distribution
Address Breakdown
Residential
433
Single Family
433
Multi-Family
0
Businesses
24
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 2020
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 70031, Ama, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 580 (100%) |
| Owner Occupied HU | 463 (79.8%) |
| Renter Occupied HU | 66 (11.4%) |
| Vacant Housing Units | 51 ( 8.8%) |
| Median Home Value | $221,580 |
| Average Home Value | $219,455 |
Housing Distribution
Address Breakdown
Residential
433
Single Family
433
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices