6446 Lake Alapaha DrNaylorGA31641
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 6446 Lake Alapaha Dr, Naylor, GA, 31641 in Naylor delivers $2,320/mo in gross rent and $377/mo in net monthly income at a $309,900 entry. The 8.8% yield and 1.66 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $85,620 over five years and $2,854/yr in equity from loan paydown, total projected return is $144,303.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.5% |
| Monthly Cash Flow | $377 | $300 |
City averages based on Naylor market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,320 |
| Total Monthly Debt Service | $1,779 |
| DSCR Ratio | 1.30x |
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
0.83 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
0.83 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
