234 Main StToomsboroGA31090
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 234 Main St, Toomsboro, GA, 31090 in Toomsboro: $2,252/mo in rent, $944/mo net, 12.57% gross yield, all on a $215,000 acquisition. The 2.33 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $59,401 in value, and $1,980/yr in principal paydown steadily builds equity. Projected total cumulative return: $142,132.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.6% | 7.0% |
| Monthly Cash Flow | $944 | $300 |
City averages based on Toomsboro market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,252 |
| Total Monthly Debt Service | $1,223 |
| DSCR Ratio | 1.84x |
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 1950
1.21 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31090, Toomsboro, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 460 (100%) |
| Owner Occupied HU | 297 (64.6%) |
| Renter Occupied HU | 63 (13.7%) |
| Vacant Housing Units | 100 (21.7%) |
| Median Home Value | $87,708 |
| Average Home Value | $134,352 |
Housing Distribution
Address Breakdown
Residential
362
Single Family
362
Multi-Family
0
Businesses
26
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 1950
1.21 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31090, Toomsboro, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 460 (100%) |
| Owner Occupied HU | 297 (64.6%) |
| Renter Occupied HU | 63 (13.7%) |
| Vacant Housing Units | 100 (21.7%) |
| Median Home Value | $87,708 |
| Average Home Value | $134,352 |
Housing Distribution
Address Breakdown
Residential
362
Single Family
362
Multi-Family
0
Businesses
26
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices