39 Cook StLa FayetteGA30728
INVESTMENT ANALYSIS
Investment Verdict
Solid Income39 Cook St, La Fayette, GA, 30728 in La Fayette is a solid income-producing rental, 9.27% gross yield, $1,526/mo rent, $324/mo net cash flow on a $197,500 buy. DSCR 1.72 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $54,566 and $1,819/yr in principal reduction project a total cumulative return of $95,670.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.5% |
| Monthly Cash Flow | $324 | $300 |
City averages based on La Fayette market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,526 |
| Total Monthly Debt Service | $1,123 |
| 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
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30728, La Fayette, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,319 (100%) |
| Owner Occupied HU | 5,348 (64.3%) |
| Renter Occupied HU | 2,074 (24.9%) |
| Vacant Housing Units | 897 (10.8%) |
| Median Home Value | $195,833 |
| Average Home Value | $218,043 |
Housing Distribution
Address Breakdown
Residential
7,906
Single Family
7,801
Multi-Family
105
Businesses
577
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
10,454 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30728, La Fayette, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,319 (100%) |
| Owner Occupied HU | 5,348 (64.3%) |
| Renter Occupied HU | 2,074 (24.9%) |
| Vacant Housing Units | 897 (10.8%) |
| Median Home Value | $195,833 |
| Average Home Value | $218,043 |
Housing Distribution
Address Breakdown
Residential
7,906
Single Family
7,801
Multi-Family
105
Businesses
577
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Justin Abraham • Mighty Oaks Realty LLC
Mls Name: Greater Chattanooga Realtors
Mls ID: #1519709