15 Bailey StWhitesburgGA30185
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 15 Bailey St, Whitesburg, GA, 30185 in Whitesburg is narrow, $143/mo net on $2,406/mo rent after the $1,641/mo debt service, but the property operates at break-even-plus, not a loss. At $365,000 with a 7.91% yield, the long-run equity case via 5% appreciation ($100,843 over five years) and $3,362/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.47 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $150,180.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 7.0% |
| Monthly Cash Flow | $143 | $500 |
City averages based on Whitesburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,406 |
| Total Monthly Debt Service | $2,076 |
| DSCR Ratio | 1.16x |
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.
Condo
Built in 1986
1.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30185, Whitesburg, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,722 (100%) |
| Owner Occupied HU | 1,333 (77.4%) |
| Renter Occupied HU | 259 (15.0%) |
| Vacant Housing Units | 130 ( 7.5%) |
| Median Home Value | $286,312 |
| Average Home Value | $300,199 |
Housing Distribution
Address Breakdown
Residential
1,687
Single Family
1,687
Multi-Family
0
Businesses
83
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
Condo
Built in 1986
1.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30185, Whitesburg, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,722 (100%) |
| Owner Occupied HU | 1,333 (77.4%) |
| Renter Occupied HU | 259 (15.0%) |
| Vacant Housing Units | 130 ( 7.5%) |
| Median Home Value | $286,312 |
| Average Home Value | $300,199 |
Housing Distribution
Address Breakdown
Residential
1,687
Single Family
1,687
Multi-Family
0
Businesses
83
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: FMLS GA
Mls ID: #7591339