10235 Commerce StSummervilleGA30747
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 10235 Commerce St, Summerville, GA, 30747 in Summerville hard to pass up. The 19.07% gross yield on a $315,000 purchase results in $5,005/mo in rent and $2,919/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (3.53). Annual cash flow of $35,031, five-year appreciation of $87,029, and $2,901/yr in equity build-up combine for a projected total cumulative return of $307,894.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 19.1% | 6.0% |
| Monthly Cash Flow | $2,919 | $350 |
City averages based on Summerville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,005 |
| Total Monthly Debt Service | $1,961 |
| DSCR Ratio | 2.55x |
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 1903
0.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30747, Summerville, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,781 (100%) |
| Owner Occupied HU | 4,098 (60.4%) |
| Renter Occupied HU | 1,929 (28.4%) |
| Vacant Housing Units | 754 (11.1%) |
| Median Home Value | $138,110 |
| Average Home Value | $185,207 |
Housing Distribution
Address Breakdown
Residential
6,463
Single Family
6,235
Multi-Family
228
Businesses
480
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 1903
0.85 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30747, Summerville, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,781 (100%) |
| Owner Occupied HU | 4,098 (60.4%) |
| Renter Occupied HU | 1,929 (28.4%) |
| Vacant Housing Units | 754 (11.1%) |
| Median Home Value | $138,110 |
| Average Home Value | $185,207 |
Housing Distribution
Address Breakdown
Residential
6,463
Single Family
6,235
Multi-Family
228
Businesses
480
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices