2165 Owens Ferry RdWhite OakGA31568
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 2165 Owens Ferry Rd, White Oak, GA, 31568 in White Oak worth study. Rental yield 1.62%. The 1.62% gross yield is below cash-flow benchmarks at $889,000, but 5% annual appreciation, adding $245,614 over five years, frames this as a capital growth position. Rent of $1,200/mo partially offsets the $3,998/mo payment. Ziffy Mortgage finances appreciation-play properties (0.30 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $65,712.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.6% | 6.0% |
| Monthly Cash Flow | $(4,211) | $300 |
City averages based on White Oak market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,200 |
| Total Monthly Debt Service | $5,057 |
| DSCR Ratio | 0.24x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2016
54.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31568, White Oak, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 645 (100%) |
| Owner Occupied HU | 417 (64.7%) |
| Renter Occupied HU | 60 ( 9.3%) |
| Vacant Housing Units | 168 (26.0%) |
| Median Home Value | $360,714 |
| Average Home Value | $450,048 |
Housing Distribution
Address Breakdown
Residential
478
Single Family
478
Multi-Family
0
Businesses
14
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 2016
54.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31568, White Oak, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 645 (100%) |
| Owner Occupied HU | 417 (64.7%) |
| Renter Occupied HU | 60 ( 9.3%) |
| Vacant Housing Units | 168 (26.0%) |
| Median Home Value | $360,714 |
| Average Home Value | $450,048 |
Housing Distribution
Address Breakdown
Residential
478
Single Family
478
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Erika Brown • BHHS Hodnett Cooper CAMDEN
Mls Name: GIAOR
Mls ID: #1654150
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.