102 Smith AveGarden CityGA31408
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow102 Smith Ave, Garden City, GA, 31408 in Garden City is a top-tier cash-flow asset. At $160,000 it produces $2,099/mo in rent and $1,103/mo in net monthly income, a 15.74% gross rental yield. The DSCR of 2.92 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $13,233. Five-year appreciation adds $44,205, driving a total cumulative return of $131,752.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 15.7% | 6.2% |
| Monthly Cash Flow | $1,103 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,099 |
| Total Monthly Debt Service | $932 |
| DSCR Ratio | 2.25x |
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 1933
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31408, Savannah, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,594 (100%) |
| Owner Occupied HU | 1,628 (35.4%) |
| Renter Occupied HU | 2,565 (55.8%) |
| Vacant Housing Units | 401 ( 8.7%) |
| Median Home Value | $222,954 |
| Average Home Value | $323,761 |
Housing Distribution
Address Breakdown
Residential
4,089
Single Family
3,627
Multi-Family
462
Businesses
878
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 1933
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31408, Savannah, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,594 (100%) |
| Owner Occupied HU | 1,628 (35.4%) |
| Renter Occupied HU | 2,565 (55.8%) |
| Vacant Housing Units | 401 ( 8.7%) |
| Median Home Value | $222,954 |
| Average Home Value | $323,761 |
Housing Distribution
Address Breakdown
Residential
4,089
Single Family
3,627
Multi-Family
462
Businesses
878
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Judy R. Quinney • Next Move Real Estate LLC
Mls Name: Hive MLS
Mls Provider:
Mls ID: #SA334450
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.