1038 McRae Milan RdMc Rae HelenaGA31055
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play1038 McRae Milan Rd, Mc Rae Helena, GA, 31055 in Mc Rae Helena is priced for appreciation, not yield. Rental yield 1.19%. At $875,000 with a 1.19% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $241,746 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.22) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $44,687.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.2% | 6.0% |
| Monthly Cash Flow | $(4,455) | $300 |
City averages based on Mc Rae Helena market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $870 |
| Total Monthly Debt Service | $4,977 |
| DSCR Ratio | 0.17x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Manufactured
Built in 2015
178.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31055, Mc Rae, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,280 (100%) |
| Owner Occupied HU | 1,271 (55.7%) |
| Renter Occupied HU | 632 (27.7%) |
| Vacant Housing Units | 377 (16.5%) |
| Median Home Value | $152,440 |
| Average Home Value | $199,687 |
Housing Distribution
Address Breakdown
Residential
1,909
Single Family
1,909
Multi-Family
0
Businesses
223
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
Manufactured
Built in 2015
178.74 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31055, Mc Rae, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,280 (100%) |
| Owner Occupied HU | 1,271 (55.7%) |
| Renter Occupied HU | 632 (27.7%) |
| Vacant Housing Units | 377 (16.5%) |
| Median Home Value | $152,440 |
| Average Home Value | $199,687 |
Housing Distribution
Address Breakdown
Residential
1,909
Single Family
1,909
Multi-Family
0
Businesses
223
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: My State MLS
Mls ID: #11498042