351 Main StCullodenGA31016
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 351 Main St, Culloden, GA, 31016 in Culloden: $3,826/mo in rent, $813/mo in net income, 9.27% gross yield, 1.72 DSCR, all at $495,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $136,759 in appreciation and $4,559/yr in principal paydown projects total cumulative return of $239,849.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 7.0% |
| Monthly Cash Flow | $813 | $500 |
City averages based on Culloden market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,826 |
| Total Monthly Debt Service | $2,816 |
| DSCR Ratio | 1.36x |
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 1894
1.05 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31016, Culloden, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 777 (100%) |
| Owner Occupied HU | 569 (73.2%) |
| Renter Occupied HU | 142 (18.3%) |
| Vacant Housing Units | 66 ( 8.5%) |
| Median Home Value | $257,653 |
| Average Home Value | $430,791 |
Housing Distribution
Address Breakdown
Residential
704
Single Family
704
Multi-Family
0
Businesses
18
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 1894
1.05 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31016, Culloden, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 777 (100%) |
| Owner Occupied HU | 569 (73.2%) |
| Renter Occupied HU | 142 (18.3%) |
| Vacant Housing Units | 66 ( 8.5%) |
| Median Home Value | $257,653 |
| Average Home Value | $430,791 |
Housing Distribution
Address Breakdown
Residential
704
Single Family
704
Multi-Family
0
Businesses
18
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices