139 Basil StCummingGA30040
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 139 Basil St, Cumming, GA, 30040 in Cumming deserves attention. This $513,400 property earns $4,476/mo in rent, a 10.46% gross yield, and nets $1,351/mo after the $2,309/mo payment. DSCR 1.94 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $141,843 compounds alongside $4,728/yr in yearly equity build, for a total cumulative return of $281,423.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.5% |
| Monthly Cash Flow | $1,351 | $300 |
City averages based on Cumming market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,476 |
| Total Monthly Debt Service | $2,920 |
| DSCR Ratio | 1.53x |
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.
Townhouse
Built in 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30040, Cumming, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 31,006 (100%) |
| Owner Occupied HU | 25,096 (80.9%) |
| Renter Occupied HU | 5,244 (16.9%) |
| Vacant Housing Units | 666 ( 2.1%) |
| Median Home Value | $582,767 |
| Average Home Value | $609,119 |
Housing Distribution
Address Breakdown
Residential
30,239
Single Family
28,686
Multi-Family
1,553
Businesses
2,042
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
Townhouse
Built in 2024
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30040, Cumming, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 31,006 (100%) |
| Owner Occupied HU | 25,096 (80.9%) |
| Renter Occupied HU | 5,244 (16.9%) |
| Vacant Housing Units | 666 ( 2.1%) |
| Median Home Value | $582,767 |
| Average Home Value | $609,119 |
Housing Distribution
Address Breakdown
Residential
30,239
Single Family
28,686
Multi-Family
1,553
Businesses
2,042
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices