14270 Cross Creek RdUpatoiGA31829
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 14270 Cross Creek Rd, Upatoi, GA, 31829 in Upatoi fits: $629,000, 3.89% gross yield, and a projected 5% annual appreciation rate adding $173,781 in value within five years. Rental yield 3.89%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.72) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,793/yr in principal paydown and $173,781 in appreciation project a total return of $123,195.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 6.0% |
| Monthly Cash Flow | $(1,788) | $250 |
City averages based on Upatoi market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,040 |
| Total Monthly Debt Service | $3,578 |
| DSCR Ratio | 0.57x |
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 2000
12.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31829, Upatoi, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 608 (100%) |
| Owner Occupied HU | 536 (88.2%) |
| Renter Occupied HU | 29 ( 4.8%) |
| Vacant Housing Units | 43 ( 7.1%) |
| Median Home Value | $361,130 |
| Average Home Value | $378,825 |
Housing Distribution
Address Breakdown
Residential
630
Single Family
630
Multi-Family
0
Businesses
5
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 2000
12.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31829, Upatoi, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 608 (100%) |
| Owner Occupied HU | 536 (88.2%) |
| Renter Occupied HU | 29 ( 4.8%) |
| Vacant Housing Units | 43 ( 7.1%) |
| Median Home Value | $361,130 |
| Average Home Value | $378,825 |
Housing Distribution
Address Breakdown
Residential
630
Single Family
630
Multi-Family
0
Businesses
5
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices