402 Hall StLa FayetteGA30728
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 402 Hall St, La Fayette, GA, 30728 in La Fayette worth study. Rental yield 4.13%. The 4.13% gross yield is below cash-flow benchmarks at $425,000, but 5% annual appreciation, adding $117,420 over five years, frames this as a capital growth position. Rent of $1,463/mo partially offsets the $1,911/mo payment. Ziffy Mortgage finances appreciation-play properties (0.77 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $88,679.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.5% |
| Monthly Cash Flow | $(1,124) | $300 |
City averages based on La Fayette market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,463 |
| Total Monthly Debt Service | $2,418 |
| DSCR Ratio | 0.61x |
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.
Multi Family
Built in 2001
0.33 Acres 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
Multi Family
Built in 2001
0.33 Acres 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