340 Floyd StRoystonGA30662
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 340 Floyd St, Royston, GA, 30662 in Royston at $264,900 earns $1,891/mo in rent and nets $156/mo after the $1,191/mo payment, a 7.96% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $73,187 over five years. Ziffy Mortgage underwrites this on a 1.59 DSCR without U.S. credit history. With $2,440/yr in principal paydown, total projected return reaches $118,318.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 7.0% |
| Monthly Cash Flow | $156 | $300 |
City averages based on Royston market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,891 |
| Total Monthly Debt Service | $1,507 |
| DSCR Ratio | 1.25x |
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 1983
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30662, Royston, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,960 (100%) |
| Owner Occupied HU | 2,426 (61.3%) |
| Renter Occupied HU | 1,077 (27.2%) |
| Vacant Housing Units | 457 (11.5%) |
| Median Home Value | $208,396 |
| Average Home Value | $247,736 |
Housing Distribution
Address Breakdown
Residential
3,760
Single Family
3,581
Multi-Family
179
Businesses
303
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 1983
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30662, Royston, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,960 (100%) |
| Owner Occupied HU | 2,426 (61.3%) |
| Renter Occupied HU | 1,077 (27.2%) |
| Vacant Housing Units | 457 (11.5%) |
| Median Home Value | $208,396 |
| Average Home Value | $247,736 |
Housing Distribution
Address Breakdown
Residential
3,760
Single Family
3,581
Multi-Family
179
Businesses
303
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices