315 Hardy RdWhitesburgGA30185
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 315 Hardy Rd, Whitesburg, GA, 30185 in Whitesburg. At $685,000 it earns $4,921/mo in rent and distributes $752/mo to the owner after the $3,080/mo payment, a consistent 8.62% yield. DSCR 1.60 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $189,253 in value; $6,309/yr in principal paydown compounds ownership stake. Total projected return: $307,832.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 7.0% |
| Monthly Cash Flow | $752 | $500 |
City averages based on Whitesburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,921 |
| Total Monthly Debt Service | $3,896 |
| DSCR Ratio | 1.26x |
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 1989
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30185, Whitesburg, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,722 (100%) |
| Owner Occupied HU | 1,333 (77.4%) |
| Renter Occupied HU | 259 (15.0%) |
| Vacant Housing Units | 130 ( 7.5%) |
| Median Home Value | $286,312 |
| Average Home Value | $300,199 |
Housing Distribution
Address Breakdown
Residential
1,687
Single Family
1,687
Multi-Family
0
Businesses
83
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 1989
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30185, Whitesburg, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,722 (100%) |
| Owner Occupied HU | 1,333 (77.4%) |
| Renter Occupied HU | 259 (15.0%) |
| Vacant Housing Units | 130 ( 7.5%) |
| Median Home Value | $286,312 |
| Average Home Value | $300,199 |
Housing Distribution
Address Breakdown
Residential
1,687
Single Family
1,687
Multi-Family
0
Businesses
83
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices