14980 State Highway 116 PnePine Mountain ValleyGA31823
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder14980 State Highway 116 Pne, Pine Mountain Valley, GA, 31823 in Pine Mountain Valley earns a respectable 7.43% gross yield at $460,000, but after the $2,068/mo mortgage the net cash flow is $50/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.42) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $127,090 over five years, making equity the dominant return driver. Total projected return: $183,344.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 7.0% |
| Monthly Cash Flow | $50 | $1,200 |
City averages based on Pine Mountain Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,941 |
| Total Monthly Debt Service | $2,617 |
| DSCR Ratio | 1.12x |
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 2010
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31823, Pine Mountain Valley, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 367 (100%) |
| Owner Occupied HU | 267 (72.8%) |
| Renter Occupied HU | 52 (14.2%) |
| Vacant Housing Units | 48 (13.1%) |
| Median Home Value | $304,217 |
| Average Home Value | $327,968 |
Housing Distribution
Address Breakdown
Residential
294
Single Family
294
Multi-Family
0
Businesses
19
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 2010
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31823, Pine Mountain Valley, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 367 (100%) |
| Owner Occupied HU | 267 (72.8%) |
| Renter Occupied HU | 52 (14.2%) |
| Vacant Housing Units | 48 (13.1%) |
| Median Home Value | $304,217 |
| Average Home Value | $327,968 |
Housing Distribution
Address Breakdown
Residential
294
Single Family
294
Multi-Family
0
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: James Eldridge • eXp Realty LLC
Mls Name: CBORGA
Mls Provider:
Mls ID: #214755
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.