320 Kempton Ln #2DaltonGA30721
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who treat current yield as secondary to long-run equity growth will find 320 Kempton Ln #2, Dalton, GA, 30721 in Dalton worth modelling. At $197,000 with a 9.87% gross yield, the $1,620/mo rent leaves $119/mo after the $886/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.83 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $54,427 by year five; $1,814/yr in principal reduction adds further equity. Total projected return: $83,554.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 8.2% |
| Monthly Cash Flow | $119 | $300 |
City averages based on Dalton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,620 |
| Total Monthly Debt Service | $1,423 |
| DSCR Ratio | 1.14x |
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.
Townhouse
Built in 2022
4,356 sqft lot
$N/A/sqft
$238 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30721, Dalton, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,170 (100%) |
| Owner Occupied HU | 11,676 (60.9%) |
| Renter Occupied HU | 6,339 (33.1%) |
| Vacant Housing Units | 1,155 ( 6.0%) |
| Median Home Value | $220,428 |
| Average Home Value | $277,503 |
Housing Distribution
Address Breakdown
Residential
19,102
Single Family
18,042
Multi-Family
1,060
Businesses
1,708
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
Townhouse
Built in 2022
4,356 sqft lot
$N/A/sqft
$238 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30721, Dalton, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,170 (100%) |
| Owner Occupied HU | 11,676 (60.9%) |
| Renter Occupied HU | 6,339 (33.1%) |
| Vacant Housing Units | 1,155 ( 6.0%) |
| Median Home Value | $220,428 |
| Average Home Value | $277,503 |
Housing Distribution
Address Breakdown
Residential
19,102
Single Family
18,042
Multi-Family
1,060
Businesses
1,708
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Sloan • Keller Williams Realty
Mls Name: Greater Chattanooga Realtors
Mls ID: #1516627
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