215 Hansel RdSumnerGA31789
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt $208,000, 215 Hansel Rd, Sumner, GA, 31789 in Sumner generates $1,283/mo in rent (7.4% yield) but nets only $17/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.37) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $57,467. Total projected return: $79,930.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.0% |
| Monthly Cash Flow | $17 | $450 |
City averages based on Sumner market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,283 |
| Total Monthly Debt Service | $1,183 |
| DSCR Ratio | 1.08x |
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 1971
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31789, Sumner, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 706 (100%) |
| Owner Occupied HU | 514 (72.8%) |
| Renter Occupied HU | 140 (19.8%) |
| Vacant Housing Units | 52 ( 7.4%) |
| Median Home Value | $134,375 |
| Average Home Value | $186,775 |
Housing Distribution
Address Breakdown
Residential
552
Single Family
552
Multi-Family
0
Businesses
19
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 1971
1.10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31789, Sumner, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 706 (100%) |
| Owner Occupied HU | 514 (72.8%) |
| Renter Occupied HU | 140 (19.8%) |
| Vacant Housing Units | 52 ( 7.4%) |
| Median Home Value | $134,375 |
| Average Home Value | $186,775 |
Housing Distribution
Address Breakdown
Residential
552
Single Family
552
Multi-Family
0
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices