3131 Allison CtYoung HarrisGA30582
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 3131 Allison Ct, Young Harris, GA, 30582 in Young Harris at $359,888 earns $2,220/mo in rent and nets $30/mo after the $1,618/mo payment, a 7.4% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $99,430 over five years. Ziffy Mortgage underwrites this on a 1.37 DSCR without U.S. credit history. With $3,315/yr in principal paydown, total projected return reaches $138,278.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 8.0% |
| Monthly Cash Flow | $30 | $1,500 |
City averages based on Young Harris market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,220 |
| Total Monthly Debt Service | $2,047 |
| DSCR Ratio | 1.08x |
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.
Condo
Built in 1995
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30582, Young Harris, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,461 (100%) |
| Owner Occupied HU | 2,125 (61.4%) |
| Renter Occupied HU | 444 (12.8%) |
| Vacant Housing Units | 892 (25.8%) |
| Median Home Value | $360,520 |
| Average Home Value | $398,949 |
Housing Distribution
Address Breakdown
Residential
2,708
Single Family
2,708
Multi-Family
0
Businesses
171
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
Condo
Built in 1995
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30582, Young Harris, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,461 (100%) |
| Owner Occupied HU | 2,125 (61.4%) |
| Renter Occupied HU | 444 (12.8%) |
| Vacant Housing Units | 892 (25.8%) |
| Median Home Value | $360,520 |
| Average Home Value | $398,949 |
Housing Distribution
Address Breakdown
Residential
2,708
Single Family
2,708
Multi-Family
0
Businesses
171
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dan Easton • Three Springs Realty, LLC.
Mls Name: NGBOR
Mls ID: #414156