107 Cottage CtThomastonGA30286
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 107 Cottage Ct, Thomaston, GA, 30286 in Thomaston deserves attention. This $218,230 property earns $2,160/mo in rent, a 11.88% gross yield, and nets $832/mo after the $981/mo payment. DSCR 2.20 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $60,293 compounds alongside $2,010/yr in yearly equity build, for a total cumulative return of $136,209.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 7.0% |
| Monthly Cash Flow | $832 | $500 |
City averages based on Thomaston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,160 |
| Total Monthly Debt Service | $1,241 |
| DSCR Ratio | 1.74x |
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.
Multi Family
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30286, Thomaston, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,873 (100%) |
| Owner Occupied HU | 6,037 (55.5%) |
| Renter Occupied HU | 3,840 (35.3%) |
| Vacant Housing Units | 996 ( 9.2%) |
| Median Home Value | $172,390 |
| Average Home Value | $218,651 |
Housing Distribution
Address Breakdown
Residential
10,465
Single Family
10,287
Multi-Family
178
Businesses
827
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
Multi Family
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30286, Thomaston, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,873 (100%) |
| Owner Occupied HU | 6,037 (55.5%) |
| Renter Occupied HU | 3,840 (35.3%) |
| Vacant Housing Units | 996 ( 9.2%) |
| Median Home Value | $172,390 |
| Average Home Value | $218,651 |
Housing Distribution
Address Breakdown
Residential
10,465
Single Family
10,287
Multi-Family
178
Businesses
827
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
