WR Spring Willow Plan, Winding RiverSaint MarysGA31558
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate WR Spring Willow Plan, Winding River, Saint Marys, GA, 31558 in Saint Marys. At $532,400 it earns $3,798/mo in rent and distributes $558/mo to the owner after the $2,394/mo payment, a consistent 8.56% yield. DSCR 1.59 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $147,092 in value; $4,903/yr in principal paydown compounds ownership stake. Total projected return: $237,550.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.0% |
| Monthly Cash Flow | $558 | $300 |
City averages based on Saint Marys market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,798 |
| Total Monthly Debt Service | $3,028 |
| DSCR Ratio | 1.25x |
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: 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 2026
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: N/A • Landmark 24 Homes and Realty
Mls Name: Landmark 24
Mls Provider:
Mls ID: #N/A