131 Martha StWinderGA30680
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 131 Martha St, Winder, GA, 30680 in Winder is narrow, $54/mo net on $1,708/mo rent after the $1,207/mo debt service, but the property operates at break-even-plus, not a loss. At $268,500 with a 7.63% yield, the long-run equity case via 5% appreciation ($74,182 over five years) and $2,473/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.42 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $105,328.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 8.0% |
| Monthly Cash Flow | $54 | $1,200 |
City averages based on Winder market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,708 |
| Total Monthly Debt Service | $1,547 |
| DSCR Ratio | 1.10x |
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 2009
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30680, Winder, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,066 (100%) |
| Owner Occupied HU | 14,283 (74.9%) |
| Renter Occupied HU | 4,039 (21.2%) |
| Vacant Housing Units | 744 ( 3.9%) |
| Median Home Value | $287,593 |
| Average Home Value | $314,071 |
Housing Distribution
Address Breakdown
Residential
18,278
Single Family
17,571
Multi-Family
707
Businesses
1,297
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 2009
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30680, Winder, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,066 (100%) |
| Owner Occupied HU | 14,283 (74.9%) |
| Renter Occupied HU | 4,039 (21.2%) |
| Vacant Housing Units | 744 ( 3.9%) |
| Median Home Value | $287,593 |
| Average Home Value | $314,071 |
Housing Distribution
Address Breakdown
Residential
18,278
Single Family
17,571
Multi-Family
707
Businesses
1,297
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices