103 John Golden RdTempleGA30179
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 103 John Golden Rd, Temple, GA, 30179 in Temple is narrow, $111/mo net on $1,913/mo rent after the $1,331/mo debt service, but the property operates at break-even-plus, not a loss. At $296,000 with a 7.75% yield, the long-run equity case via 5% appreciation ($81,779 over five years) and $2,726/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.44 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $119,315.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 8.0% |
| Monthly Cash Flow | $111 | $350 |
City averages based on Temple market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,913 |
| Total Monthly Debt Service | $1,684 |
| DSCR Ratio | 1.14x |
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 2001
1.11 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30179, Temple, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,285 (100%) |
| Owner Occupied HU | 5,739 (78.8%) |
| Renter Occupied HU | 1,217 (16.7%) |
| Vacant Housing Units | 329 ( 4.5%) |
| Median Home Value | $294,030 |
| Average Home Value | $322,661 |
Housing Distribution
Address Breakdown
Residential
7,127
Single Family
7,088
Multi-Family
39
Businesses
260
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 2001
1.11 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30179, Temple, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,285 (100%) |
| Owner Occupied HU | 5,739 (78.8%) |
| Renter Occupied HU | 1,217 (16.7%) |
| Vacant Housing Units | 329 ( 4.5%) |
| Median Home Value | $294,030 |
| Average Home Value | $322,661 |
Housing Distribution
Address Breakdown
Residential
7,127
Single Family
7,088
Multi-Family
39
Businesses
260
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices