331 Planters DriveEllabellGA31308
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 331 Planters Drive, Ellabell, GA, 31308 in Ellabell at $375,000 earns $2,446/mo in rent and nets $163/mo after the $1,686/mo payment, a 7.83% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $103,606 over five years. Ziffy Mortgage underwrites this on a 1.45 DSCR without U.S. credit history. With $3,454/yr in principal paydown, total projected return reaches $152,624.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.0% |
| Monthly Cash Flow | $163 | $250 |
City averages based on Ellabell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,446 |
| Total Monthly Debt Service | $2,133 |
| 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.
Manufactured
Built in 1990
3.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31308, Ellabell, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,772 (100%) |
| Owner Occupied HU | 2,907 (77.1%) |
| Renter Occupied HU | 579 (15.3%) |
| Vacant Housing Units | 286 ( 7.6%) |
| Median Home Value | $212,356 |
| Average Home Value | $254,332 |
Housing Distribution
Address Breakdown
Residential
3,289
Single Family
3,289
Multi-Family
0
Businesses
150
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
Manufactured
Built in 1990
3.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31308, Ellabell, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,772 (100%) |
| Owner Occupied HU | 2,907 (77.1%) |
| Renter Occupied HU | 579 (15.3%) |
| Vacant Housing Units | 286 ( 7.6%) |
| Median Home Value | $212,356 |
| Average Home Value | $254,332 |
Housing Distribution
Address Breakdown
Residential
3,289
Single Family
3,289
Multi-Family
0
Businesses
150
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices