220 Hardman RdClarkesvilleGA30523
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 220 Hardman Rd, Clarkesville, GA, 30523 in Clarkesville fits: $479,900, 3.39% gross yield, and a projected 5% annual appreciation rate adding $132,588 in value within five years. Rental yield 3.39%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.63) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,420/yr in principal paydown and $132,588 in appreciation project a total return of $81,171.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.4% | 8.0% |
| Monthly Cash Flow | $(1,564) | $1,500 |
City averages based on Clarkesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,357 |
| Total Monthly Debt Service | $2,730 |
| DSCR Ratio | 0.50x |
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 2025
1.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30523, Clarkesville, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,148 (100%) |
| Owner Occupied HU | 4,797 (67.1%) |
| Renter Occupied HU | 1,046 (14.6%) |
| Vacant Housing Units | 1,305 (18.3%) |
| Median Home Value | $326,983 |
| Average Home Value | $430,806 |
Housing Distribution
Address Breakdown
Residential
6,157
Single Family
6,157
Multi-Family
0
Businesses
621
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 2025
1.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30523, Clarkesville, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,148 (100%) |
| Owner Occupied HU | 4,797 (67.1%) |
| Renter Occupied HU | 1,046 (14.6%) |
| Vacant Housing Units | 1,305 (18.3%) |
| Median Home Value | $326,983 |
| Average Home Value | $430,806 |
Housing Distribution
Address Breakdown
Residential
6,157
Single Family
6,157
Multi-Family
0
Businesses
621
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jimmy Marquez • Virtual Properties Realty.com
Mls Name: GAMLS
Mls ID: #10581442