25 4th StEllijayGA30540
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 25 4th St, Ellijay, GA, 30540 in Ellijay. Priced at $160,000, it generates $1,643/mo in gross rent and $579/mo in net monthly cash flow, a 12.32% yield that comfortably supports the 2.29 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,948. Five-year appreciation: $44,205. Equity from principal paydown: $1,474/yr. Total projected cumulative return: $98,332.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.3% | 8.0% |
| Monthly Cash Flow | $579 | $1,500 |
City averages based on Ellijay market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,643 |
| Total Monthly Debt Service | $1,000 |
| DSCR Ratio | 1.64x |
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 1994
2,178 sqft lot
$N/A/sqft
$1,080 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30540, Ellijay, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,365 (100%) |
| Owner Occupied HU | 6,883 (60.6%) |
| Renter Occupied HU | 1,606 (14.1%) |
| Vacant Housing Units | 2,876 (25.3%) |
| Median Home Value | $336,590 |
| Average Home Value | $386,093 |
Housing Distribution
Address Breakdown
Residential
9,582
Single Family
9,505
Multi-Family
77
Businesses
937
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 1994
2,178 sqft lot
$N/A/sqft
$1,080 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30540, Ellijay, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,365 (100%) |
| Owner Occupied HU | 6,883 (60.6%) |
| Renter Occupied HU | 1,606 (14.1%) |
| Vacant Housing Units | 2,876 (25.3%) |
| Median Home Value | $336,590 |
| Average Home Value | $386,093 |
Housing Distribution
Address Breakdown
Residential
9,582
Single Family
9,505
Multi-Family
77
Businesses
937
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Adina Elfaituri • REMAX Town & Country - Ellijay
Mls Name: NGBOR
Mls ID: #415286
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.