634 Coonie Jackson RdRagleyLA70657
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 634 Coonie Jackson Rd, Ragley, LA, 70657 in Ragley is narrow, $198/mo net on $1,592/mo rent after the $1,012/mo debt service, but the property operates at break-even-plus, not a loss. At $225,000 with a 8.49% yield, the long-run equity case via 5% appreciation ($62,163 over five years) and $2,072/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.57 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $98,088.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 7.0% |
| Monthly Cash Flow | $198 | $600 |
City averages based on Ragley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,592 |
| Total Monthly Debt Service | $1,304 |
| DSCR Ratio | 1.22x |
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.
Manufactured
Built in 2014
4.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 70657, Ragley, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,359 (100%) |
| Owner Occupied HU | 1,817 (77.0%) |
| Renter Occupied HU | 198 ( 8.4%) |
| Vacant Housing Units | 344 (14.6%) |
| Median Home Value | $215,773 |
| Average Home Value | $296,355 |
Housing Distribution
Address Breakdown
Residential
2,261
Single Family
2,261
Multi-Family
0
Businesses
34
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
Manufactured
Built in 2014
4.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 70657, Ragley, LA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,359 (100%) |
| Owner Occupied HU | 1,817 (77.0%) |
| Renter Occupied HU | 198 ( 8.4%) |
| Vacant Housing Units | 344 (14.6%) |
| Median Home Value | $215,773 |
| Average Home Value | $296,355 |
Housing Distribution
Address Breakdown
Residential
2,261
Single Family
2,261
Multi-Family
0
Businesses
34
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices