4048 State Highway 259White OakGA31568
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 4048 State Highway 259, White Oak, GA, 31568 in White Oak at $555,000 earns $3,480/mo in rent and nets $102/mo after the $2,496/mo payment, a 7.52% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $153,336 over five years. Ziffy Mortgage underwrites this on a 1.39 DSCR without U.S. credit history. With $5,112/yr in principal paydown, total projected return reaches $216,760.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.0% |
| Monthly Cash Flow | $102 | $300 |
City averages based on White Oak market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,480 |
| Total Monthly Debt Service | $3,157 |
| DSCR Ratio | 1.10x |
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 2018
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31568, White Oak, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 645 (100%) |
| Owner Occupied HU | 417 (64.7%) |
| Renter Occupied HU | 60 ( 9.3%) |
| Vacant Housing Units | 168 (26.0%) |
| Median Home Value | $360,714 |
| Average Home Value | $450,048 |
Housing Distribution
Address Breakdown
Residential
478
Single Family
478
Multi-Family
0
Businesses
14
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 2018
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31568, White Oak, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 645 (100%) |
| Owner Occupied HU | 417 (64.7%) |
| Renter Occupied HU | 60 ( 9.3%) |
| Vacant Housing Units | 168 (26.0%) |
| Median Home Value | $360,714 |
| Average Home Value | $450,048 |
Housing Distribution
Address Breakdown
Residential
478
Single Family
478
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices