325 Shoals LnClarkesvilleGA30523
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 325 Shoals Ln, Clarkesville, GA, 30523 in Clarkesville at $849,900, 4.8% gross yield, is a market-growth asset. Rental yield 4.8%. The $3,401/mo rent partially funds the $3,822/mo debt service; the core return is the 5%/yr price growth projected to add $234,812 over five years. Ziffy Mortgage's DSCR mortgage (0.89) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $205,861.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 8.0% |
| Monthly Cash Flow | $(1,805) | $1,500 |
City averages based on Clarkesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,401 |
| Total Monthly Debt Service | $4,868 |
| DSCR Ratio | 0.70x |
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 2006
1.62 Acres lot
$N/A/sqft
$400 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30523, Clarkesville, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,148 (100%) |
| Owner Occupied HU | 4,797 (67.1%) |
| Renter Occupied HU | 1,046 (14.6%) |
| Vacant Housing Units | 1,305 (18.3%) |
| Median Home Value | $326,983 |
| Average Home Value | $430,806 |
Housing Distribution
Address Breakdown
Residential
6,157
Single Family
6,157
Multi-Family
0
Businesses
621
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 2006
1.62 Acres lot
$N/A/sqft
$400 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30523, Clarkesville, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,148 (100%) |
| Owner Occupied HU | 4,797 (67.1%) |
| Renter Occupied HU | 1,046 (14.6%) |
| Vacant Housing Units | 1,305 (18.3%) |
| Median Home Value | $326,983 |
| Average Home Value | $430,806 |
Housing Distribution
Address Breakdown
Residential
6,157
Single Family
6,157
Multi-Family
0
Businesses
621
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices