259 S Main StDearingGA30808
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 259 S Main St, Dearing, GA, 30808 in Dearing. Priced at $244,000, it generates $2,218/mo in gross rent and $733/mo in net monthly cash flow, a 10.91% yield that comfortably supports the 2.02 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,791. Five-year appreciation: $67,413. Equity from principal paydown: $2,247/yr. Total projected cumulative return: $139,631.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 7.0% |
| Monthly Cash Flow | $733 | $500 |
City averages based on Dearing market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,218 |
| Total Monthly Debt Service | $1,388 |
| DSCR Ratio | 1.60x |
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 1965
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30808, Dearing, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,835 (100%) |
| Owner Occupied HU | 1,412 (76.9%) |
| Renter Occupied HU | 307 (16.7%) |
| Vacant Housing Units | 116 ( 6.3%) |
| Median Home Value | $173,853 |
| Average Home Value | $218,316 |
Housing Distribution
Address Breakdown
Residential
1,671
Single Family
1,671
Multi-Family
0
Businesses
53
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 1965
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30808, Dearing, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,835 (100%) |
| Owner Occupied HU | 1,412 (76.9%) |
| Renter Occupied HU | 307 (16.7%) |
| Vacant Housing Units | 116 ( 6.3%) |
| Median Home Value | $173,853 |
| Average Home Value | $218,316 |
Housing Distribution
Address Breakdown
Residential
1,671
Single Family
1,671
Multi-Family
0
Businesses
53
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices