4013 Payten PlaceEvansGA30809
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 4013 Payten Place, Evans, GA, 30809 in Evans at $349,900 earns $2,227/mo in rent and nets $35/mo after the $1,573/mo payment, a 7.64% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $96,671 over five years. Ziffy Mortgage underwrites this on a 1.42 DSCR without U.S. credit history. With $3,223/yr in principal paydown, total projected return reaches $93,874.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 8.0% |
| Monthly Cash Flow | $35 | $1,200 |
City averages based on Evans market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,227 |
| Total Monthly Debt Service | $2,740 |
| DSCR Ratio | 0.81x |
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 2011
8,712 sqft lot
$N/A/sqft
$750 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30809, Evans, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,572 (100%) |
| Owner Occupied HU | 16,095 (78.2%) |
| Renter Occupied HU | 3,475 (16.9%) |
| Vacant Housing Units | 1,002 ( 4.9%) |
| Median Home Value | $383,815 |
| Average Home Value | $409,900 |
Housing Distribution
Address Breakdown
Residential
19,780
Single Family
18,665
Multi-Family
1,115
Businesses
1,562
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 2011
8,712 sqft lot
$N/A/sqft
$750 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30809, Evans, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,572 (100%) |
| Owner Occupied HU | 16,095 (78.2%) |
| Renter Occupied HU | 3,475 (16.9%) |
| Vacant Housing Units | 1,002 ( 4.9%) |
| Median Home Value | $383,815 |
| Average Home Value | $409,900 |
Housing Distribution
Address Breakdown
Residential
19,780
Single Family
18,665
Multi-Family
1,115
Businesses
1,562
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Greg Honeymichael • Meybohm Real Estate - Evans
Mls Name: Hive MLS
Mls Provider:
Mls ID: #543383
Disclaimer: The data relating to real estate on this web site comes in part from the Internet Data Exchange program of Hive MLS, and is updated as of 2025-10-17 12:20:34 PDT. All information is deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal. Neither listing broker(s) nor Zillow, Inc. shall be responsible for any typographical errors, misinformation, or misprints, and shall be held totally harmless from any damages arising from reliance upon these data. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. 2025-10-17 12:20:34 PDT Hive MLS