120 Green Ridge RdBlue RidgeGA30541
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 120 Green Ridge Rd, Blue Ridge, GA, 30541 in Blue Ridge fits: $839,000, 2.4% gross yield, and a projected 5% annual appreciation rate adding $231,800 in value within five years. Rental yield 2.4%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.45) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $7,727/yr in principal paydown and $231,800 in appreciation project a total return of $97,306.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.4% | 8.0% |
| Monthly Cash Flow | $(3,426) | $1,500 |
City averages based on Blue Ridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,680 |
| Total Monthly Debt Service | $4,772 |
| DSCR Ratio | 0.35x |
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
1.78 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30541, Epworth, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,290 (100%) |
| Owner Occupied HU | 720 (55.8%) |
| Renter Occupied HU | 135 (10.5%) |
| Vacant Housing Units | 435 (33.7%) |
| Median Home Value | $277,600 |
| Average Home Value | $347,500 |
Housing Distribution
Address Breakdown
Residential
697
Single Family
697
Multi-Family
0
Businesses
26
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
1.78 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30541, Epworth, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,290 (100%) |
| Owner Occupied HU | 720 (55.8%) |
| Renter Occupied HU | 135 (10.5%) |
| Vacant Housing Units | 435 (33.7%) |
| Median Home Value | $277,600 |
| Average Home Value | $347,500 |
Housing Distribution
Address Breakdown
Residential
697
Single Family
697
Multi-Family
0
Businesses
26
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kurstin Shuler • Tru Mountain Realty, LLC
Mls Name: NGBOR
Mls ID: #419652