511 Thomas StMontezumaGA31063
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 511 Thomas St, Montezuma, GA, 31063 in Montezuma is listed at $140,000 and delivers $1,141/mo in rent and $283/mo in net monthly cash flow. The 9.78% yield and 1.81 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $38,679 over five years, and $1,289/yr in principal reduction supplements cash return. Total projected cumulative return: $71,268.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 8.0% |
| Monthly Cash Flow | $283 | $300 |
City averages based on Montezuma market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,141 |
| Total Monthly Debt Service | $802 |
| DSCR Ratio | 1.42x |
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 1970
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31063, Montezuma, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,271 (100%) |
| Owner Occupied HU | 1,188 (52.3%) |
| Renter Occupied HU | 690 (30.4%) |
| Vacant Housing Units | 393 (17.3%) |
| Median Home Value | $105,788 |
| Average Home Value | $142,980 |
Housing Distribution
Address Breakdown
Residential
1,826
Single Family
1,782
Multi-Family
44
Businesses
222
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
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31063, Montezuma, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,271 (100%) |
| Owner Occupied HU | 1,188 (52.3%) |
| Renter Occupied HU | 690 (30.4%) |
| Vacant Housing Units | 393 (17.3%) |
| Median Home Value | $105,788 |
| Average Home Value | $142,980 |
Housing Distribution
Address Breakdown
Residential
1,826
Single Family
1,782
Multi-Family
44
Businesses
222
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jalaia Surles • HRP REALTY LLC
Mls Name: CGMLS
Mls ID: #247275
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.