119 Brannon RdgYoung HarrisGA30582
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 119 Brannon Rdg, Young Harris, GA, 30582 in Young Harris. Rental yield 5.24%. At $718,000 with 5.24% gross yield, current distributions are modest, but the 5% appreciation rate projects $198,370 in new equity by year five, complemented by $6,613/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.97) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $192,536.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 8.0% |
| Monthly Cash Flow | $(1,234) | $1,500 |
City averages based on Young Harris market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,136 |
| Total Monthly Debt Service | $4,084 |
| DSCR Ratio | 0.77x |
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.
Single Family
Built in 2024
1.21 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30582, Young Harris, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,461 (100%) |
| Owner Occupied HU | 2,125 (61.4%) |
| Renter Occupied HU | 444 (12.8%) |
| Vacant Housing Units | 892 (25.8%) |
| Median Home Value | $360,520 |
| Average Home Value | $398,949 |
Housing Distribution
Address Breakdown
Residential
2,708
Single Family
2,708
Multi-Family
0
Businesses
171
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 2024
1.21 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30582, Young Harris, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,461 (100%) |
| Owner Occupied HU | 2,125 (61.4%) |
| Renter Occupied HU | 444 (12.8%) |
| Vacant Housing Units | 892 (25.8%) |
| Median Home Value | $360,520 |
| Average Home Value | $398,949 |
Housing Distribution
Address Breakdown
Residential
2,708
Single Family
2,708
Multi-Family
0
Businesses
171
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brad Baso • Real Broker LLC
Mls Name: GAMLS
Mls ID: #10234279