318 E Church StPlainsGA31780
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Plains rentals match the income profile of 318 E Church St, Plains, GA, 31780. Listed at $250,000, gross rent is $2,356/mo and net cash flow is $834/mo, a 11.31% yield well above national averages. DSCR 2.10 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $69,070 by year five with $2,303/yr in annual principal reduction, projecting $148,441 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 8.0% |
| Monthly Cash Flow | $834 | $1,200 |
City averages based on Plains market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,356 |
| Total Monthly Debt Service | $1,422 |
| DSCR Ratio | 1.66x |
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 1929
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31780, Plains, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 959 (100%) |
| Owner Occupied HU | 625 (65.2%) |
| Renter Occupied HU | 202 (21.1%) |
| Vacant Housing Units | 132 (13.8%) |
| Median Home Value | $184,593 |
| Average Home Value | $172,804 |
Housing Distribution
Address Breakdown
Residential
601
Single Family
601
Multi-Family
0
Businesses
55
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 1929
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31780, Plains, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 959 (100%) |
| Owner Occupied HU | 625 (65.2%) |
| Renter Occupied HU | 202 (21.1%) |
| Vacant Housing Units | 132 (13.8%) |
| Median Home Value | $184,593 |
| Average Home Value | $172,804 |
Housing Distribution
Address Breakdown
Residential
601
Single Family
601
Multi-Family
0
Businesses
55
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices