813 N Adams StMontezumaGA31063
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 813 N Adams St, Montezuma, GA, 31063 in Montezuma. Priced at $209,068, it generates $1,957/mo in gross rent and $548/mo in net monthly cash flow, a 11.23% yield that comfortably supports the 2.08 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,570. Five-year appreciation: $57,762. Equity from principal paydown: $1,926/yr. Total projected cumulative return: $115,020.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 8.0% |
| Monthly Cash Flow | $548 | $300 |
City averages based on Montezuma market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,957 |
| Total Monthly Debt Service | $1,327 |
| DSCR Ratio | 1.48x |
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 1978
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31063, Montezuma, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,271 (100%) |
| Owner Occupied HU | 1,188 (52.3%) |
| Renter Occupied HU | 690 (30.4%) |
| Vacant Housing Units | 393 (17.3%) |
| Median Home Value | $105,788 |
| Average Home Value | $142,980 |
Housing Distribution
Address Breakdown
Residential
1,826
Single Family
1,782
Multi-Family
44
Businesses
222
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 1978
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31063, Montezuma, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,271 (100%) |
| Owner Occupied HU | 1,188 (52.3%) |
| Renter Occupied HU | 690 (30.4%) |
| Vacant Housing Units | 393 (17.3%) |
| Median Home Value | $105,788 |
| Average Home Value | $142,980 |
Housing Distribution
Address Breakdown
Residential
1,826
Single Family
1,782
Multi-Family
44
Businesses
222
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices