174 Bacon StIrwintonGA31042
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, 174 Bacon St, Irwinton, GA, 31042 in Irwinton earns a 10.63% gross yield at $135,500. Rent of $1,200/mo nets $375/mo after the $609/mo mortgage. The 1.97 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $37,436 and $1,248/yr in equity accumulation project a total cumulative return of $75,503.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 6.0% |
| Monthly Cash Flow | $375 | $1,200 |
City averages based on Irwinton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,200 |
| Total Monthly Debt Service | $771 |
| DSCR Ratio | 1.56x |
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.
Manufactured
Built in 1993
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
- 4 Bed
- 2 Bath
- 1684 sft
- 4 Bed
- 2 Bath
- 1684 sft
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
Manufactured
Built in 1993
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
- 4 Bed
- 2 Bath
- 1684 sft
- 4 Bed
- 2 Bath
- 1684 sft
Nearby investment properties with comparable prices