624 Harrold AveAmericusGA31709
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 624 Harrold Ave, Americus, GA, 31709 in Americus is narrow, $13/mo net on $1,345/mo rent after the $984/mo debt service, but the property operates at break-even-plus, not a loss. At $218,900 with a 7.37% yield, the long-run equity case via 5% appreciation ($60,478 over five years) and $2,016/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.37 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $83,785.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 8.0% |
| Monthly Cash Flow | $13 | $300 |
City averages based on Americus market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,345 |
| Total Monthly Debt Service | $1,245 |
| DSCR Ratio | 1.08x |
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 1930
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31709, Americus, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,866 (100%) |
| Owner Occupied HU | 2,958 (43.1%) |
| Renter Occupied HU | 3,175 (46.2%) |
| Vacant Housing Units | 733 (10.7%) |
| Median Home Value | $195,148 |
| Average Home Value | $253,458 |
Housing Distribution
Address Breakdown
Residential
6,079
Single Family
5,878
Multi-Family
201
Businesses
863
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 1930
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31709, Americus, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,866 (100%) |
| Owner Occupied HU | 2,958 (43.1%) |
| Renter Occupied HU | 3,175 (46.2%) |
| Vacant Housing Units | 733 (10.7%) |
| Median Home Value | $195,148 |
| Average Home Value | $253,458 |
Housing Distribution
Address Breakdown
Residential
6,079
Single Family
5,878
Multi-Family
201
Businesses
863
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices