3231 Old Crider RdRocky FaceGA30740
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.83% yield at 3231 Old Crider Rd, Rocky Face, GA, 30740 in Rocky Face is solid, but the $1,731/mo payment compresses net cash flow to $168/mo at $385,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $106,368 by year five, and $3,546/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.45) without U.S. income documentation. Total projected return: $156,736.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 7.0% |
| Monthly Cash Flow | $168 | $1,200 |
City averages based on Rocky Face market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,512 |
| Total Monthly Debt Service | $2,190 |
| DSCR Ratio | 1.15x |
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 1997
0.71 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30740, Rocky Face, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,471 (100%) |
| Owner Occupied HU | 2,671 (77.0%) |
| Renter Occupied HU | 607 (17.5%) |
| Vacant Housing Units | 193 ( 5.6%) |
| Median Home Value | $277,123 |
| Average Home Value | $318,682 |
Housing Distribution
Address Breakdown
Residential
3,396
Single Family
3,396
Multi-Family
0
Businesses
173
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 1997
0.71 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30740, Rocky Face, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,471 (100%) |
| Owner Occupied HU | 2,671 (77.0%) |
| Renter Occupied HU | 607 (17.5%) |
| Vacant Housing Units | 193 ( 5.6%) |
| Median Home Value | $277,123 |
| Average Home Value | $318,682 |
Housing Distribution
Address Breakdown
Residential
3,396
Single Family
3,396
Multi-Family
0
Businesses
173
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Diane Farrow • Coldwell Banker Kinard Realty - Ga
Mls Name: Greater Chattanooga Realtors
Mls ID: #1518530