276 Shepherd StClaytonGA30525
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 276 Shepherd St, Clayton, GA, 30525 in Clayton. Priced at $235,000, it generates $1,986/mo in gross rent and $556/mo in net monthly cash flow, a 10.14% yield that comfortably supports the 1.88 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,669. Five-year appreciation: $64,926. Equity from principal paydown: $2,164/yr. Total projected cumulative return: $124,748.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 7.0% |
| Monthly Cash Flow | $556 | $1,200 |
City averages based on Clayton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,986 |
| Total Monthly Debt Service | $1,337 |
| DSCR Ratio | 1.49x |
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 1981
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30525, Clayton, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,758 (100%) |
| Owner Occupied HU | 2,979 (51.7%) |
| Renter Occupied HU | 970 (16.8%) |
| Vacant Housing Units | 1,809 (31.4%) |
| Median Home Value | $329,000 |
| Average Home Value | $449,994 |
Housing Distribution
Address Breakdown
Residential
4,360
Single Family
4,227
Multi-Family
133
Businesses
577
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 1981
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30525, Clayton, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,758 (100%) |
| Owner Occupied HU | 2,979 (51.7%) |
| Renter Occupied HU | 970 (16.8%) |
| Vacant Housing Units | 1,809 (31.4%) |
| Median Home Value | $329,000 |
| Average Home Value | $449,994 |
Housing Distribution
Address Breakdown
Residential
4,360
Single Family
4,227
Multi-Family
133
Businesses
577
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices