2038 Wharton DriveAugustaGA30904
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 2038 Wharton Drive, Augusta, GA, 30904 in Augusta. Priced at $130,000, it generates $1,804/mo in gross rent and $769/mo in net monthly cash flow, a 12.73% yield that comfortably supports the 3.08 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,232. Five-year appreciation: $35,917. Equity from principal paydown: $1,197/yr. Total projected cumulative return: $114,425.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.7% | 7.2% |
| Monthly Cash Flow | $769 | $450 |
City averages based on Augusta market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,804 |
| Total Monthly Debt Service | $739 |
| DSCR Ratio | 2.44x |
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 1959
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30904, Augusta, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,586 (100%) |
| Owner Occupied HU | 4,820 (38.3%) |
| Renter Occupied HU | 5,935 (47.2%) |
| Vacant Housing Units | 1,831 (14.5%) |
| Median Home Value | $240,028 |
| Average Home Value | $285,185 |
Housing Distribution
Address Breakdown
Residential
10,986
Single Family
10,290
Multi-Family
696
Businesses
797
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 1959
0.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30904, Augusta, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,586 (100%) |
| Owner Occupied HU | 4,820 (38.3%) |
| Renter Occupied HU | 5,935 (47.2%) |
| Vacant Housing Units | 1,831 (14.5%) |
| Median Home Value | $240,028 |
| Average Home Value | $285,185 |
Housing Distribution
Address Breakdown
Residential
10,986
Single Family
10,290
Multi-Family
696
Businesses
797
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices