520 Gardenia LnGrayGA31032
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow520 Gardenia Ln, Gray, GA, 31032 in Gray is a top-tier cash-flow asset. At $374,900 it produces $4,559/mo in rent and $2,277/mo in net monthly income, a 14.59% gross rental yield. The DSCR of 2.70 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $27,325. Five-year appreciation adds $103,578, driving a total cumulative return of $288,575.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14.6% | 8.0% |
| Monthly Cash Flow | $2,277 | $300 |
City averages based on Gray market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,559 |
| Total Monthly Debt Service | $2,133 |
| DSCR Ratio | 2.14x |
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 2021
0.46 Acres lot
$N/A/sqft
No HOA
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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 2021
0.46 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices