138 River RdCherry LogGA30522
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 138 River Rd, Cherry Log, GA, 30522 in Cherry Log fits: $1,489,900, 2.9% gross yield, and a projected 5% annual appreciation rate adding $411,632 in value within five years. Rental yield 2.9%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.54) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $13,722/yr in principal paydown and $411,632 in appreciation project a total return of $212,392.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.9% | 6.2% |
| Monthly Cash Flow | $(5,468) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $3,600 |
| Total Monthly Debt Service | $8,475 |
| DSCR Ratio | 0.42x |
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 2025
1.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30522, Cherrylog, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,147 (100%) |
| Owner Occupied HU | 511 (44.6%) |
| Renter Occupied HU | 53 ( 4.6%) |
| Vacant Housing Units | 583 (50.8%) |
| Median Home Value | $512,127 |
| Average Home Value | $610,117 |
Housing Distribution
Address Breakdown
Residential
732
Single Family
732
Multi-Family
0
Businesses
24
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 2025
1.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30522, Cherrylog, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,147 (100%) |
| Owner Occupied HU | 511 (44.6%) |
| Renter Occupied HU | 53 ( 4.6%) |
| Vacant Housing Units | 583 (50.8%) |
| Median Home Value | $512,127 |
| Average Home Value | $610,117 |
Housing Distribution
Address Breakdown
Residential
732
Single Family
732
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: AJ Petrillo • REMAX Town & Country - BR Appalachian
Mls Name: NGBOR
Mls ID: #415070