381 King RdEllavilleGA31806
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 381 King Rd, Ellaville, GA, 31806 in Ellaville at $100,000 earns $771/mo in rent and nets $162/mo after the $450/mo payment, a 9.25% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $27,628 over five years. Ziffy Mortgage underwrites this on a 1.71 DSCR without U.S. credit history. With $921/yr in principal paydown, total projected return reaches $48,317.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 8.0% |
| Monthly Cash Flow | $162 | $400 |
City averages based on Ellaville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $771 |
| Total Monthly Debt Service | $569 |
| 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 1972
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31806, Ellaville, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,903 (100%) |
| Owner Occupied HU | 1,294 (68.0%) |
| Renter Occupied HU | 395 (20.8%) |
| Vacant Housing Units | 214 (11.2%) |
| Median Home Value | $202,189 |
| Average Home Value | $205,394 |
Housing Distribution
Address Breakdown
Residential
1,442
Single Family
1,442
Multi-Family
0
Businesses
126
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 1972
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31806, Ellaville, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,903 (100%) |
| Owner Occupied HU | 1,294 (68.0%) |
| Renter Occupied HU | 395 (20.8%) |
| Vacant Housing Units | 214 (11.2%) |
| Median Home Value | $202,189 |
| Average Home Value | $205,394 |
Housing Distribution
Address Breakdown
Residential
1,442
Single Family
1,442
Multi-Family
0
Businesses
126
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices