1400 Smith Chapel RdMusellaGA31066
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 1400 Smith Chapel Rd, Musella, GA, 31066 in Musella: $2,492/mo in rent, $1,093/mo net, 13.01% gross yield, all on a $229,900 acquisition. The 2.41 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $63,517 in value, and $2,117/yr in principal paydown steadily builds equity. Projected total cumulative return: $157,429.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13% | 6.0% |
| Monthly Cash Flow | $1,093 | $150 |
City averages based on Musella market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,492 |
| Total Monthly Debt Service | $1,308 |
| DSCR Ratio | 1.91x |
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 1986
9.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31066, Musella, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 557 (100%) |
| Owner Occupied HU | 399 (71.6%) |
| Renter Occupied HU | 111 (19.9%) |
| Vacant Housing Units | 47 ( 8.4%) |
| Median Home Value | $279,167 |
| Average Home Value | $303,521 |
Housing Distribution
Address Breakdown
Residential
434
Single Family
434
Multi-Family
0
Businesses
12
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 1986
9.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31066, Musella, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 557 (100%) |
| Owner Occupied HU | 399 (71.6%) |
| Renter Occupied HU | 111 (19.9%) |
| Vacant Housing Units | 47 ( 8.4%) |
| Median Home Value | $279,167 |
| Average Home Value | $303,521 |
Housing Distribution
Address Breakdown
Residential
434
Single Family
434
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices