19892 State Highway 85 WShilohGA31826
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 19892 State Highway 85 W, Shiloh, GA, 31826 in Shiloh: $2,132/mo in rent, $1,245/mo net, 18.28% gross yield, all on a $139,997 acquisition. The 3.38 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $38,679 in value, and $1,289/yr in principal paydown steadily builds equity. Projected total cumulative return: $133,319.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.3% | 6.0% |
| Monthly Cash Flow | $1,245 | $1,500 |
City averages based on Shiloh market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,132 |
| Total Monthly Debt Service | $831 |
| DSCR Ratio | 2.56x |
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.
Single Family
Built in 1920
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31826, Shiloh, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,008 (100%) |
| Owner Occupied HU | 752 (74.6%) |
| Renter Occupied HU | 143 (14.2%) |
| Vacant Housing Units | 113 (11.2%) |
| Median Home Value | $275,269 |
| Average Home Value | $380,409 |
Housing Distribution
Address Breakdown
Residential
807
Single Family
807
Multi-Family
0
Businesses
26
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 1920
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31826, Shiloh, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,008 (100%) |
| Owner Occupied HU | 752 (74.6%) |
| Renter Occupied HU | 143 (14.2%) |
| Vacant Housing Units | 113 (11.2%) |
| Median Home Value | $275,269 |
| Average Home Value | $380,409 |
Housing Distribution
Address Breakdown
Residential
807
Single Family
807
Multi-Family
0
Businesses
26
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices