Downing Plan, Palm RidgeGuytonGA31312
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, Downing Plan, Palm Ridge, Guyton, GA, 31312 in Guyton earns a 9.34% gross yield at $321,990. Rent of $2,506/mo nets $546/mo after the $1,448/mo mortgage. The 1.73 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $88,960 and $2,966/yr in equity accumulation project a total cumulative return of $157,129.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.0% |
| Monthly Cash Flow | $546 | $300 |
City averages based on Guyton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,506 |
| Total Monthly Debt Service | $1,832 |
| DSCR Ratio | 1.37x |
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: 31312, Guyton, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,017 (100%) |
| Owner Occupied HU | 8,270 (82.6%) |
| Renter Occupied HU | 1,275 (12.7%) |
| Vacant Housing Units | 472 ( 4.7%) |
| Median Home Value | $305,955 |
| Average Home Value | $319,475 |
Housing Distribution
Address Breakdown
Residential
9,606
Single Family
9,568
Multi-Family
38
Businesses
161
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: 31312, Guyton, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,017 (100%) |
| Owner Occupied HU | 8,270 (82.6%) |
| Renter Occupied HU | 1,275 (12.7%) |
| Vacant Housing Units | 472 ( 4.7%) |
| Median Home Value | $305,955 |
| Average Home Value | $319,475 |
Housing Distribution
Address Breakdown
Residential
9,606
Single Family
9,568
Multi-Family
38
Businesses
161
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
