861 Saddle CirWaycrossGA31503
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderSteady, low-maintenance, and fundable: 861 Saddle Cir, Waycross, GA, 31503 in Waycross at $315,000. Rental yield 7.13%. The 7.13% yield and 1.32 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $87,029 by year five, and $2,901/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $116,446.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 8.0% |
| Monthly Cash Flow | $(45) | $300 |
City averages based on Waycross market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,872 |
| Total Monthly Debt Service | $1,792 |
| DSCR Ratio | 1.04x |
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 1987
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31503, Waycross, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,130 (100%) |
| Owner Occupied HU | 5,538 (60.7%) |
| Renter Occupied HU | 2,448 (26.8%) |
| Vacant Housing Units | 1,144 (12.5%) |
| Median Home Value | $126,673 |
| Average Home Value | $163,126 |
Housing Distribution
Address Breakdown
Residential
8,719
Single Family
8,603
Multi-Family
116
Businesses
455
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 1987
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31503, Waycross, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,130 (100%) |
| Owner Occupied HU | 5,538 (60.7%) |
| Renter Occupied HU | 2,448 (26.8%) |
| Vacant Housing Units | 1,144 (12.5%) |
| Median Home Value | $126,673 |
| Average Home Value | $163,126 |
Housing Distribution
Address Breakdown
Residential
8,719
Single Family
8,603
Multi-Family
116
Businesses
455
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices