2122 Plottown RdYoung HarrisGA30582
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 2122 Plottown Rd, Young Harris, GA, 30582 in Young Harris speaks for itself: 23.78% gross on a $117,000 price, generating $2,318/mo in rent and $1,606/mo in net income after the $526/mo debt service. DSCR 4.41, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $19,276 stacks alongside $32,325 in projected five-year appreciation and $1,078/yr in principal reduction. Projected total cumulative return: $147,680.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 23.8% | 8.0% |
| Monthly Cash Flow | $1,606 | $1,500 |
City averages based on Young Harris market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,318 |
| Total Monthly Debt Service | $666 |
| DSCR Ratio | 3.48x |
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 1971
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30582, Young Harris, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,461 (100%) |
| Owner Occupied HU | 2,125 (61.4%) |
| Renter Occupied HU | 444 (12.8%) |
| Vacant Housing Units | 892 (25.8%) |
| Median Home Value | $360,520 |
| Average Home Value | $398,949 |
Housing Distribution
Address Breakdown
Residential
2,708
Single Family
2,708
Multi-Family
0
Businesses
171
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
Manufactured
Built in 1971
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30582, Young Harris, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,461 (100%) |
| Owner Occupied HU | 2,125 (61.4%) |
| Renter Occupied HU | 444 (12.8%) |
| Vacant Housing Units | 892 (25.8%) |
| Median Home Value | $360,520 |
| Average Home Value | $398,949 |
Housing Distribution
Address Breakdown
Residential
2,708
Single Family
2,708
Multi-Family
0
Businesses
171
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices