3801 Hutcheson Ferry RdWhitesburgGA30185
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play3801 Hutcheson Ferry Rd, Whitesburg, GA, 30185 in Whitesburg is priced for appreciation, not yield. Rental yield 4.74%. At $624,900 with a 4.74% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $172,648 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.88) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $150,649.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 7.0% |
| Monthly Cash Flow | $(1,337) | $500 |
City averages based on Whitesburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,466 |
| Total Monthly Debt Service | $3,555 |
| DSCR Ratio | 0.69x |
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 2026
2.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30185, Whitesburg, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,722 (100%) |
| Owner Occupied HU | 1,333 (77.4%) |
| Renter Occupied HU | 259 (15.0%) |
| Vacant Housing Units | 130 ( 7.5%) |
| Median Home Value | $286,312 |
| Average Home Value | $300,199 |
Housing Distribution
Address Breakdown
Residential
1,687
Single Family
1,687
Multi-Family
0
Businesses
83
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 2026
2.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30185, Whitesburg, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,722 (100%) |
| Owner Occupied HU | 1,333 (77.4%) |
| Renter Occupied HU | 259 (15.0%) |
| Vacant Housing Units | 130 ( 7.5%) |
| Median Home Value | $286,312 |
| Average Home Value | $300,199 |
Housing Distribution
Address Breakdown
Residential
1,687
Single Family
1,687
Multi-Family
0
Businesses
83
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: GAMLS
Mls ID: #10702560