3682 Williams Bridge RdToccoaGA30577
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 3682 Williams Bridge Rd, Toccoa, GA, 30577 in Toccoa is narrow, $165/mo net on $1,614/mo rent after the $1,070/mo debt service, but the property operates at break-even-plus, not a loss. At $238,000 with a 8.14% yield, the long-run equity case via 5% appreciation ($65,755 over five years) and $2,192/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.51 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $100,821.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 8.0% |
| Monthly Cash Flow | $165 | $250 |
City averages based on Toccoa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,614 |
| Total Monthly Debt Service | $1,354 |
| DSCR Ratio | 1.19x |
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 2022
1.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30577, Toccoa, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,178 (100%) |
| Owner Occupied HU | 6,226 (61.2%) |
| Renter Occupied HU | 2,857 (28.1%) |
| Vacant Housing Units | 1,095 (10.8%) |
| Median Home Value | $211,071 |
| Average Home Value | $268,780 |
Housing Distribution
Address Breakdown
Residential
9,706
Single Family
9,517
Multi-Family
189
Businesses
914
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 2022
1.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30577, Toccoa, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,178 (100%) |
| Owner Occupied HU | 6,226 (61.2%) |
| Renter Occupied HU | 2,857 (28.1%) |
| Vacant Housing Units | 1,095 (10.8%) |
| Median Home Value | $211,071 |
| Average Home Value | $268,780 |
Housing Distribution
Address Breakdown
Residential
9,706
Single Family
9,517
Multi-Family
189
Businesses
914
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices