16491 State Highway 57IrwintonGA31042
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Irwinton rental at 16491 State Highway 57, Irwinton, GA, 31042 sits in the solid-income band: 10.83% gross yield, $1,525/mo rent, $497/mo net after the $760/mo debt service, DSCR 2.01. Entry price of $169,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $46,692 and $1,557/yr in principal reduction bring total cumulative return to $95,971.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.0% |
| Monthly Cash Flow | $497 | $1,200 |
City averages based on Irwinton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,525 |
| Total Monthly Debt Service | $961 |
| DSCR Ratio | 1.59x |
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 1978
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31042, Irwinton, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 761 (100%) |
| Owner Occupied HU | 451 (59.3%) |
| Renter Occupied HU | 166 (21.8%) |
| Vacant Housing Units | 144 (18.9%) |
| Median Home Value | $91,591 |
| Average Home Value | $117,894 |
Housing Distribution
Address Breakdown
Residential
581
Single Family
581
Multi-Family
0
Businesses
76
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 1978
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31042, Irwinton, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 761 (100%) |
| Owner Occupied HU | 451 (59.3%) |
| Renter Occupied HU | 166 (21.8%) |
| Vacant Housing Units | 144 (18.9%) |
| Median Home Value | $91,591 |
| Average Home Value | $117,894 |
Housing Distribution
Address Breakdown
Residential
581
Single Family
581
Multi-Family
0
Businesses
76
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices