1197 Borum StUnadillaGA31091
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 1197 Borum St, Unadilla, GA, 31091 in Unadilla: $2,148/mo in rent, $566/mo in net income, 9.91% gross yield, 1.84 DSCR, all at $260,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $71,833 in appreciation and $2,395/yr in principal paydown projects total cumulative return of $134,925.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 12.0% |
| Monthly Cash Flow | $566 | $350 |
City averages based on Unadilla market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,148 |
| Total Monthly Debt Service | $1,479 |
| DSCR Ratio | 1.45x |
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 1900
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31091, Unadilla, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,194 (100%) |
| Owner Occupied HU | 721 (60.4%) |
| Renter Occupied HU | 315 (26.4%) |
| Vacant Housing Units | 158 (13.2%) |
| Median Home Value | $106,920 |
| Average Home Value | $156,921 |
Housing Distribution
Address Breakdown
Residential
572
Single Family
572
Multi-Family
0
Businesses
97
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 1900
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31091, Unadilla, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,194 (100%) |
| Owner Occupied HU | 721 (60.4%) |
| Renter Occupied HU | 315 (26.4%) |
| Vacant Housing Units | 158 (13.2%) |
| Median Home Value | $106,920 |
| Average Home Value | $156,921 |
Housing Distribution
Address Breakdown
Residential
572
Single Family
572
Multi-Family
0
Businesses
97
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices