6410 Lake Alapaha DrNaylorGA31641
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 6410 Lake Alapaha Dr, Naylor, GA, 31641 in Naylor earns a 8.51% gross yield at $334,900. Rent of $2,375/mo nets $320/mo after the $1,506/mo mortgage. The 1.58 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $92,527 and $3,084/yr in equity accumulation project a total cumulative return of $147,532.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.5% |
| Monthly Cash Flow | $320 | $300 |
City averages based on Naylor market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,375 |
| Total Monthly Debt Service | $1,922 |
| DSCR Ratio | 1.24x |
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 2024
0.66 Acres lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31641, Naylor, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 844 (100%) |
| Owner Occupied HU | 655 (77.6%) |
| Renter Occupied HU | 105 (12.4%) |
| Vacant Housing Units | 84 ( 10.0%) |
| Median Home Value | $193,319 |
| Average Home Value | $251,218 |
Housing Distribution
Address Breakdown
Residential
804
Single Family
804
Multi-Family
0
Businesses
22
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 2024
0.66 Acres lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31641, Naylor, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 844 (100%) |
| Owner Occupied HU | 655 (77.6%) |
| Renter Occupied HU | 105 (12.4%) |
| Vacant Housing Units | 84 ( 10.0%) |
| Median Home Value | $193,319 |
| Average Home Value | $251,218 |
Housing Distribution
Address Breakdown
Residential
804
Single Family
804
Multi-Family
0
Businesses
22
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
