3203 Piedmont Lake RdPine MountainGA31822
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play3203 Piedmont Lake Rd, Pine Mountain, GA, 31822 in Pine Mountain is priced for appreciation, not yield. Rental yield 2.62%. At $826,000 with a 2.62% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $228,209 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.48) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $105,193.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.6% | 8.0% |
| Monthly Cash Flow | $(3,227) | $1,500 |
City averages based on Pine Mountain market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,800 |
| Total Monthly Debt Service | $4,699 |
| DSCR Ratio | 0.38x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2005
1.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31822, Pine Mountain, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,895 (100%) |
| Owner Occupied HU | 1,915 (66.1%) |
| Renter Occupied HU | 473 (16.3%) |
| Vacant Housing Units | 507 (17.5%) |
| Median Home Value | $325,521 |
| Average Home Value | $374,791 |
Housing Distribution
Address Breakdown
Residential
2,138
Single Family
2,010
Multi-Family
128
Businesses
169
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 2005
1.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31822, Pine Mountain, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,895 (100%) |
| Owner Occupied HU | 1,915 (66.1%) |
| Renter Occupied HU | 473 (16.3%) |
| Vacant Housing Units | 507 (17.5%) |
| Median Home Value | $325,521 |
| Average Home Value | $374,791 |
Housing Distribution
Address Breakdown
Residential
2,138
Single Family
2,010
Multi-Family
128
Businesses
169
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tammy Pierce • Bickerstaff Parham, LLC
Mls Name: CBORGA
Mls ID: #226571