189 Ferrow Crossing RdWhite OakGA31568
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 189 Ferrow Crossing Rd, White Oak, GA, 31568 in White Oak earns a 9.16% gross yield at $180,000. Rent of $1,374/mo nets $278/mo after the $809/mo mortgage. The 1.70 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $49,731 and $1,658/yr in equity accumulation project a total cumulative return of $86,143.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.0% |
| Monthly Cash Flow | $278 | $300 |
City averages based on White Oak market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,374 |
| Total Monthly Debt Service | $1,024 |
| DSCR Ratio | 1.34x |
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 1989
1.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31568, White Oak, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 645 (100%) |
| Owner Occupied HU | 417 (64.7%) |
| Renter Occupied HU | 60 ( 9.3%) |
| Vacant Housing Units | 168 (26.0%) |
| Median Home Value | $360,714 |
| Average Home Value | $450,048 |
Housing Distribution
Address Breakdown
Residential
478
Single Family
478
Multi-Family
0
Businesses
14
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 1989
1.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31568, White Oak, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 645 (100%) |
| Owner Occupied HU | 417 (64.7%) |
| Renter Occupied HU | 60 ( 9.3%) |
| Vacant Housing Units | 168 (26.0%) |
| Median Home Value | $360,714 |
| Average Home Value | $450,048 |
Housing Distribution
Address Breakdown
Residential
478
Single Family
478
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices