358 Culpepper RdQuitmanGA31643
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.69% gross rental yield, 358 Culpepper Rd, Quitman, GA, 31643 in Quitman is priced for capital growth, not immediate cash flow. The $399,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $110,236 by year five, with $3,675/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.05) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $116,633.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 8.0% |
| Monthly Cash Flow | $(536) | $1,200 |
City averages based on Quitman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,892 |
| Total Monthly Debt Service | $2,270 |
| DSCR Ratio | 0.83x |
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 2011
13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31643, Quitman, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,926 (100%) |
| Owner Occupied HU | 2,240 (57.1%) |
| Renter Occupied HU | 1,184 (30.2%) |
| Vacant Housing Units | 502 (12.8%) |
| Median Home Value | $158,147 |
| Average Home Value | $243,631 |
Housing Distribution
Address Breakdown
Residential
3,588
Single Family
3,491
Multi-Family
97
Businesses
345
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 2011
13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31643, Quitman, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,926 (100%) |
| Owner Occupied HU | 2,240 (57.1%) |
| Renter Occupied HU | 1,184 (30.2%) |
| Vacant Housing Units | 502 (12.8%) |
| Median Home Value | $158,147 |
| Average Home Value | $243,631 |
Housing Distribution
Address Breakdown
Residential
3,588
Single Family
3,491
Multi-Family
97
Businesses
345
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices