2172 Garner RdGayGA30218
INVESTMENT ANALYSIS
Investment Verdict
Solid Income2172 Garner Rd, Gay, GA, 30218 in Gay is a solid income-producing rental, 9.12% gross yield, $1,334/mo rent, $266/mo net cash flow on a $175,500 buy. DSCR 1.69 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $48,487 and $1,616/yr in principal reduction project a total cumulative return of $83,598.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $266 | $250 |
City averages based on Gay market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,334 |
| Total Monthly Debt Service | $998 |
| DSCR Ratio | 1.34x |
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 1983
9.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30218, Gay, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 882 (100%) |
| Owner Occupied HU | 694 (78.7%) |
| Renter Occupied HU | 106 (12.0%) |
| Vacant Housing Units | 82 ( 9.3%) |
| Median Home Value | $233,571 |
| Average Home Value | $251,308 |
Housing Distribution
Address Breakdown
Residential
770
Single Family
770
Multi-Family
0
Businesses
51
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 1983
9.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30218, Gay, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 882 (100%) |
| Owner Occupied HU | 694 (78.7%) |
| Renter Occupied HU | 106 (12.0%) |
| Vacant Housing Units | 82 ( 9.3%) |
| Median Home Value | $233,571 |
| Average Home Value | $251,308 |
Housing Distribution
Address Breakdown
Residential
770
Single Family
770
Multi-Family
0
Businesses
51
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices