The Aspen Plan, Hayden PointeSaint MarysGA31558
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at The Aspen Plan, Hayden Pointe, Saint Marys, GA, 31558 in Saint Marys: $2,466/mo in rent, $525/mo in net income, 9.28% gross yield, 1.72 DSCR, all at $318,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $88,106 in appreciation and $2,937/yr in principal paydown projects total cumulative return of $154,566.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.0% |
| Monthly Cash Flow | $525 | $300 |
City averages based on Saint Marys market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,466 |
| Total Monthly Debt Service | $1,814 |
| DSCR Ratio | 1.36x |
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 2025
N/A 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
Single Family
Built in 2025
N/A 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
Listed by: Michael Hutchins • Smith Family Homes
Mls Name: Lamar Smith Signature Homes
Mls Provider:
Mls ID: #N/A