359 Lafayette RdRocky FaceGA30740
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 359 Lafayette Rd, Rocky Face, GA, 30740 in Rocky Face fits: $525,000, 5.54% gross yield, and a projected 5% annual appreciation rate adding $145,048 in value within five years. Rental yield 5.54%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.03) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,835/yr in principal paydown and $145,048 in appreciation project a total return of $149,152.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 7.0% |
| Monthly Cash Flow | $(772) | $1,200 |
City averages based on Rocky Face market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,423 |
| Total Monthly Debt Service | $2,986 |
| DSCR Ratio | 0.81x |
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
4.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30740, Rocky Face, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,471 (100%) |
| Owner Occupied HU | 2,671 (77.0%) |
| Renter Occupied HU | 607 (17.5%) |
| Vacant Housing Units | 193 ( 5.6%) |
| Median Home Value | $277,123 |
| Average Home Value | $318,682 |
Housing Distribution
Address Breakdown
Residential
3,396
Single Family
3,396
Multi-Family
0
Businesses
173
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
4.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30740, Rocky Face, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,471 (100%) |
| Owner Occupied HU | 2,671 (77.0%) |
| Renter Occupied HU | 607 (17.5%) |
| Vacant Housing Units | 193 ( 5.6%) |
| Median Home Value | $277,123 |
| Average Home Value | $318,682 |
Housing Distribution
Address Breakdown
Residential
3,396
Single Family
3,396
Multi-Family
0
Businesses
173
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michael Stowers • Samantha Lusk & Associates Realty
Mls Name: GAMLS
Mls ID: #10604021