Delaware A Plan, Albany, GA: Build On Your LotAlbanyGA31707
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: Delaware A Plan, Albany, GA: Build On Your Lot, Albany, GA, 31707 in Albany at $489,250 earns $3,007/mo in rent and nets $30/mo after the $2,200/mo payment, a 7.38% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $135,171 over five years. Ziffy Mortgage underwrites this on a 1.37 DSCR without U.S. credit history. With $4,506/yr in principal paydown, total projected return reaches $187,177.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 7.5% |
| Monthly Cash Flow | $30 | $350 |
City averages based on Albany market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,007 |
| Total Monthly Debt Service | $2,783 |
| DSCR Ratio | 1.08x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31707, Albany, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,486 (100%) |
| Owner Occupied HU | 4,426 (38.5%) |
| Renter Occupied HU | 5,678 (49.4%) |
| Vacant Housing Units | 1,382 (12.0%) |
| Median Home Value | $143,424 |
| Average Home Value | $181,357 |
Housing Distribution
Address Breakdown
Residential
11,610
Single Family
10,660
Multi-Family
950
Businesses
1,341
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31707, Albany, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,486 (100%) |
| Owner Occupied HU | 4,426 (38.5%) |
| Renter Occupied HU | 5,678 (49.4%) |
| Vacant Housing Units | 1,382 (12.0%) |
| Median Home Value | $143,424 |
| Average Home Value | $181,357 |
Housing Distribution
Address Breakdown
Residential
11,610
Single Family
10,660
Multi-Family
950
Businesses
1,341
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
