128 Franklin CirFort OglethorpeGA30742
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 128 Franklin Cir, Fort Oglethorpe, GA, 30742 in Fort Oglethorpe. At $339,000 it earns $2,302/mo in rent and distributes $238/mo to the owner after the $1,524/mo payment, a consistent 8.15% yield. DSCR 1.51 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $93,659 in value; $3,122/yr in principal paydown compounds ownership stake. Total projected return: $143,839.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 7.2% |
| Monthly Cash Flow | $238 | $300 |
City averages based on Fort Oglethorpe market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,302 |
| Total Monthly Debt Service | $1,928 |
| DSCR Ratio | 1.19x |
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 2017
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30742, Fort Oglethorpe, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,707 (100%) |
| Owner Occupied HU | 1,750 (47.2%) |
| Renter Occupied HU | 1,658 (44.7%) |
| Vacant Housing Units | 299 ( 8.1%) |
| Median Home Value | $205,072 |
| Average Home Value | $243,056 |
Housing Distribution
Address Breakdown
Residential
3,402
Single Family
3,012
Multi-Family
390
Businesses
619
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 2017
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30742, Fort Oglethorpe, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,707 (100%) |
| Owner Occupied HU | 1,750 (47.2%) |
| Renter Occupied HU | 1,658 (44.7%) |
| Vacant Housing Units | 299 ( 8.1%) |
| Median Home Value | $205,072 |
| Average Home Value | $243,056 |
Housing Distribution
Address Breakdown
Residential
3,402
Single Family
3,012
Multi-Family
390
Businesses
619
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Greater Chattanooga Realtors
Mls ID: #1529283