14 Magnolia CtRock SpringGA30739
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 14 Magnolia Ct, Rock Spring, GA, 30739 in Rock Spring is narrow, $53/mo net on $1,980/mo rent after the $1,424/mo debt service, but the property operates at break-even-plus, not a loss. At $316,605 with a 7.5% yield, the long-run equity case via 5% appreciation ($87,472 over five years) and $2,916/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.39 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $123,309.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 7.0% |
| Monthly Cash Flow | $53 | $350 |
City averages based on Rock Spring market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,980 |
| Total Monthly Debt Service | $1,801 |
| 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 2025
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30739, Rock Spring, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,371 (100%) |
| Owner Occupied HU | 1,837 (77.5%) |
| Renter Occupied HU | 387 (16.3%) |
| Vacant Housing Units | 147 ( 6.2%) |
| Median Home Value | $280,405 |
| Average Home Value | $295,860 |
Housing Distribution
Address Breakdown
Residential
2,254
Single Family
2,254
Multi-Family
0
Businesses
153
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
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30739, Rock Spring, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,371 (100%) |
| Owner Occupied HU | 1,837 (77.5%) |
| Renter Occupied HU | 387 (16.3%) |
| Vacant Housing Units | 147 ( 6.2%) |
| Median Home Value | $280,405 |
| Average Home Value | $295,860 |
Housing Distribution
Address Breakdown
Residential
2,254
Single Family
2,254
Multi-Family
0
Businesses
153
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cathi Matrone • SDC Realty
Mls Name: GAMLS
Mls ID: #10590818