108 E Wade StOxfordGA30054
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 108 E Wade St, Oxford, GA, 30054 in Oxford deserves attention. This $254,000 property earns $2,365/mo in rent, a 11.17% gross yield, and nets $819/mo after the $1,142/mo payment. DSCR 2.07 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $70,176 compounds alongside $2,339/yr in yearly equity build, for a total cumulative return of $148,951.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 7.0% |
| Monthly Cash Flow | $819 | $250 |
City averages based on Oxford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,365 |
| Total Monthly Debt Service | $1,445 |
| DSCR Ratio | 1.64x |
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 1951
0.54 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30054, Oxford, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,576 (100%) |
| Owner Occupied HU | 3,442 (75.2%) |
| Renter Occupied HU | 913 (20.0%) |
| Vacant Housing Units | 221 ( 4.8%) |
| Median Home Value | $327,473 |
| Average Home Value | $344,043 |
Housing Distribution
Address Breakdown
Residential
4,432
Single Family
4,432
Multi-Family
0
Businesses
236
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 1951
0.54 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30054, Oxford, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,576 (100%) |
| Owner Occupied HU | 3,442 (75.2%) |
| Renter Occupied HU | 913 (20.0%) |
| Vacant Housing Units | 221 ( 4.8%) |
| Median Home Value | $327,473 |
| Average Home Value | $344,043 |
Housing Distribution
Address Breakdown
Residential
4,432
Single Family
4,432
Multi-Family
0
Businesses
236
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices