40 N Chattooga AveLyerlyGA30730
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 40 N Chattooga Ave, Lyerly, GA, 30730 in Lyerly. Priced at $109,900, it generates $1,374/mo in gross rent and $705/mo in net monthly cash flow, a 15% yield that comfortably supports the 2.78 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,462. Five-year appreciation: $30,363. Equity from principal paydown: $1,012/yr. Total projected cumulative return: $87,064.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15% | 8.0% |
| Monthly Cash Flow | $705 | $1,200 |
City averages based on Lyerly market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,374 |
| Total Monthly Debt Service | $625 |
| DSCR Ratio | 2.20x |
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 1955
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30730, Lyerly, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 831 (100%) |
| Owner Occupied HU | 612 (73.6%) |
| Renter Occupied HU | 136 (16.4%) |
| Vacant Housing Units | 83 ( 10.0%) |
| Median Home Value | $100,000 |
| Average Home Value | $151,029 |
Housing Distribution
Address Breakdown
Residential
753
Single Family
753
Multi-Family
0
Businesses
37
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 1955
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30730, Lyerly, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 831 (100%) |
| Owner Occupied HU | 612 (73.6%) |
| Renter Occupied HU | 136 (16.4%) |
| Vacant Housing Units | 83 ( 10.0%) |
| Median Home Value | $100,000 |
| Average Home Value | $151,029 |
Housing Distribution
Address Breakdown
Residential
753
Single Family
753
Multi-Family
0
Businesses
37
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices