2185 Oak LnPine MountainGA31822
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 2185 Oak Ln, Pine Mountain, GA, 31822 in Pine Mountain is narrow, $155/mo net on $1,368/mo rent after the $899/mo debt service, but the property operates at break-even-plus, not a loss. At $200,000 with a 8.42% yield, the long-run equity case via 5% appreciation ($55,256 over five years) and $1,842/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.52 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $84,107.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 8.0% |
| Monthly Cash Flow | $155 | $1,500 |
City averages based on Pine Mountain market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,368 |
| Total Monthly Debt Service | $1,160 |
| DSCR Ratio | 1.18x |
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 1985
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31822, Pine Mountain, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,895 (100%) |
| Owner Occupied HU | 1,915 (66.1%) |
| Renter Occupied HU | 473 (16.3%) |
| Vacant Housing Units | 507 (17.5%) |
| Median Home Value | $325,521 |
| Average Home Value | $374,791 |
Housing Distribution
Address Breakdown
Residential
2,138
Single Family
2,010
Multi-Family
128
Businesses
169
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 1985
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31822, Pine Mountain, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,895 (100%) |
| Owner Occupied HU | 1,915 (66.1%) |
| Renter Occupied HU | 473 (16.3%) |
| Vacant Housing Units | 507 (17.5%) |
| Median Home Value | $325,521 |
| Average Home Value | $374,791 |
Housing Distribution
Address Breakdown
Residential
2,138
Single Family
2,010
Multi-Family
128
Businesses
169
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Scully • eXp Realty LLC
Mls Name: CBORGA
Mls Provider:
Mls ID: #221660
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.