196 Elm StMenloGA30731
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 196 Elm St, Menlo, GA, 30731 in Menlo at $275,000 earns $1,674/mo in rent and nets $0/mo after the $1,237/mo payment, a 7.3% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $75,977 over five years. Ziffy Mortgage underwrites this on a 1.35 DSCR without U.S. credit history. With $2,533/yr in principal paydown, total projected return reaches $104,187.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 7.2% |
| Monthly Cash Flow | $0 | $1,000 |
City averages based on Menlo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,674 |
| Total Monthly Debt Service | $1,564 |
| DSCR Ratio | 1.07x |
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 1979
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30731, Menlo, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,395 (100%) |
| Owner Occupied HU | 845 (60.6%) |
| Renter Occupied HU | 175 (12.5%) |
| Vacant Housing Units | 375 (26.9%) |
| Median Home Value | $206,765 |
| Average Home Value | $254,092 |
Housing Distribution
Address Breakdown
Residential
1,172
Single Family
1,172
Multi-Family
0
Businesses
55
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 1979
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30731, Menlo, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,395 (100%) |
| Owner Occupied HU | 845 (60.6%) |
| Renter Occupied HU | 175 (12.5%) |
| Vacant Housing Units | 375 (26.9%) |
| Median Home Value | $206,765 |
| Average Home Value | $254,092 |
Housing Distribution
Address Breakdown
Residential
1,172
Single Family
1,172
Multi-Family
0
Businesses
55
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rebecca Woodard • Hardy Realty and Development Company
Mls Name: FMLS GA
Mls Provider:
Mls ID: #7628650
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