129 Valley Bluff DrHamiltonGA31811
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 129 Valley Bluff Dr, Hamilton, GA, 31811 in Hamilton. At $318,900 it earns $2,319/mo in rent and distributes $378/mo to the owner after the $1,434/mo payment, a consistent 8.73% yield. DSCR 1.62 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $88,106 in value; $2,937/yr in principal paydown compounds ownership stake. Total projected return: $145,098.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 9.0% |
| Monthly Cash Flow | $378 | $1,200 |
City averages based on Hamilton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,319 |
| Total Monthly Debt Service | $1,814 |
| DSCR Ratio | 1.28x |
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 2014
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31811, Hamilton, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,634 (100%) |
| Owner Occupied HU | 1,949 (74.0%) |
| Renter Occupied HU | 342 (13.0%) |
| Vacant Housing Units | 343 (13.0%) |
| Median Home Value | $327,579 |
| Average Home Value | $415,581 |
Housing Distribution
Address Breakdown
Residential
2,270
Single Family
2,270
Multi-Family
0
Businesses
144
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 2014
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31811, Hamilton, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,634 (100%) |
| Owner Occupied HU | 1,949 (74.0%) |
| Renter Occupied HU | 342 (13.0%) |
| Vacant Housing Units | 343 (13.0%) |
| Median Home Value | $327,579 |
| Average Home Value | $415,581 |
Housing Distribution
Address Breakdown
Residential
2,270
Single Family
2,270
Multi-Family
0
Businesses
144
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michelle Fields • Century 21 Premier Real Estate
Mls Name: CBORGA
Mls Provider:
Mls ID: #220722
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.