122 1st StDearingGA30808
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 122 1st St, Dearing, GA, 30808 in Dearing speaks for itself: 12.16% gross on a $180,000 price, generating $1,824/mo in rent and $728/mo in net income after the $809/mo debt service. DSCR 2.25, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,742 stacks alongside $49,731 in projected five-year appreciation and $1,658/yr in principal reduction. Projected total cumulative return: $115,099.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.2% | 7.0% |
| Monthly Cash Flow | $728 | $500 |
City averages based on Dearing market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,824 |
| Total Monthly Debt Service | $1,024 |
| DSCR Ratio | 1.78x |
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30808, Dearing, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,835 (100%) |
| Owner Occupied HU | 1,412 (76.9%) |
| Renter Occupied HU | 307 (16.7%) |
| Vacant Housing Units | 116 ( 6.3%) |
| Median Home Value | $173,853 |
| Average Home Value | $218,316 |
Housing Distribution
Address Breakdown
Residential
1,671
Single Family
1,671
Multi-Family
0
Businesses
53
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30808, Dearing, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,835 (100%) |
| Owner Occupied HU | 1,412 (76.9%) |
| Renter Occupied HU | 307 (16.7%) |
| Vacant Housing Units | 116 ( 6.3%) |
| Median Home Value | $173,853 |
| Average Home Value | $218,316 |
Housing Distribution
Address Breakdown
Residential
1,671
Single Family
1,671
Multi-Family
0
Businesses
53
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices