40 Spout Springs CtHartwellGA30643
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 40 Spout Springs Ct, Hartwell, GA, 30643 in Hartwell speaks for itself: 11.8% gross on a $189,000 price, generating $1,859/mo in rent and $709/mo in net income after the $850/mo debt service. DSCR 2.19, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,502 stacks alongside $52,217 in projected five-year appreciation and $1,741/yr in principal reduction. Projected total cumulative return: $117,179.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 8.0% |
| Monthly Cash Flow | $709 | $300 |
City averages based on Hartwell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,859 |
| Total Monthly Debt Service | $1,075 |
| DSCR Ratio | 1.73x |
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.
Manufactured
Built in 2021
0.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30643, Hartwell, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,051 (100%) |
| Owner Occupied HU | 5,541 (61.2%) |
| Renter Occupied HU | 1,767 (19.5%) |
| Vacant Housing Units | 1,743 (19.3%) |
| Median Home Value | $286,799 |
| Average Home Value | $376,876 |
Housing Distribution
Address Breakdown
Residential
8,311
Single Family
8,255
Multi-Family
56
Businesses
796
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
Manufactured
Built in 2021
0.82 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30643, Hartwell, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,051 (100%) |
| Owner Occupied HU | 5,541 (61.2%) |
| Renter Occupied HU | 1,767 (19.5%) |
| Vacant Housing Units | 1,743 (19.3%) |
| Median Home Value | $286,799 |
| Average Home Value | $376,876 |
Housing Distribution
Address Breakdown
Residential
8,311
Single Family
8,255
Multi-Family
56
Businesses
796
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices