402 Habersham Church RdSardisGA30456
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing402 Habersham Church Rd, Sardis, GA, 30456 in Sardis is a stable, well-positioned rental at $255,000. Rental yield 6.08%. DSCR 1.13 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $70,452 in value and $2,349/yr in principal paydown builds equity, a total projected return of $79,799.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 7.0% |
| Monthly Cash Flow | $(261) | $200 |
City averages based on Sardis market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,291 |
| Total Monthly Debt Service | $1,451 |
| DSCR Ratio | 0.89x |
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 1982
1.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30456, Sardis, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,000 (100%) |
| Owner Occupied HU | 632 (63.2%) |
| Renter Occupied HU | 216 (21.6%) |
| Vacant Housing Units | 152 (15.2%) |
| Median Home Value | $90,233 |
| Average Home Value | $115,419 |
Housing Distribution
Address Breakdown
Residential
632
Single Family
632
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 1982
1.13 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30456, Sardis, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,000 (100%) |
| Owner Occupied HU | 632 (63.2%) |
| Renter Occupied HU | 216 (21.6%) |
| Vacant Housing Units | 152 (15.2%) |
| Median Home Value | $90,233 |
| Average Home Value | $115,419 |
Housing Distribution
Address Breakdown
Residential
632
Single Family
632
Multi-Family
0
Businesses
37
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices