89 Inlet Reach Circle StSaint MarysGA31558
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, 89 Inlet Reach Circle St, Saint Marys, GA, 31558 in Saint Marys earns a 10.14% gross yield at $205,990. Rent of $1,740/mo nets $486/mo after the $926/mo mortgage. The 1.88 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $56,911 and $1,897/yr in equity accumulation project a total cumulative return of $109,354.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.0% |
| Monthly Cash Flow | $486 | $300 |
City averages based on Saint Marys market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,740 |
| Total Monthly Debt Service | $1,172 |
| 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.
Townhouse
Built in 2024
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31558, Saint Marys, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,665 (100%) |
| Owner Occupied HU | 5,314 (55.0%) |
| Renter Occupied HU | 3,536 (36.6%) |
| Vacant Housing Units | 815 ( 8.4%) |
| Median Home Value | $303,233 |
| Average Home Value | $358,400 |
Housing Distribution
Address Breakdown
Residential
9,262
Single Family
8,315
Multi-Family
947
Businesses
657
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
Townhouse
Built in 2024
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31558, Saint Marys, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,665 (100%) |
| Owner Occupied HU | 5,314 (55.0%) |
| Renter Occupied HU | 3,536 (36.6%) |
| Vacant Housing Units | 815 ( 8.4%) |
| Median Home Value | $303,233 |
| Average Home Value | $358,400 |
Housing Distribution
Address Breakdown
Residential
9,262
Single Family
8,315
Multi-Family
947
Businesses
657
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices