4062 Cottingham WayAugustaGA30909
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 4062 Cottingham Way, Augusta, GA, 30909 in Augusta, $318,400, 7.82% gross yield, $121/mo net income. Consider it a market-entry position, the $2,076/mo rent covers the $1,432/mo payment with a margin, and 5%/yr appreciation is projected to add $87,968 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.45) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $128,470.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 7.2% |
| Monthly Cash Flow | $121 | $450 |
City averages based on Augusta market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,076 |
| Total Monthly Debt Service | $1,828 |
| DSCR Ratio | 1.14x |
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 2025
0.37 Acres lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30909, Augusta, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,222 (100%) |
| Owner Occupied HU | 10,138 (38.7%) |
| Renter Occupied HU | 13,522 (51.6%) |
| Vacant Housing Units | 2,562 ( 9.8%) |
| Median Home Value | $286,399 |
| Average Home Value | $306,999 |
Housing Distribution
Address Breakdown
Residential
25,614
Single Family
21,776
Multi-Family
3,838
Businesses
1,811
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 2025
0.37 Acres lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30909, Augusta, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 26,222 (100%) |
| Owner Occupied HU | 10,138 (38.7%) |
| Renter Occupied HU | 13,522 (51.6%) |
| Vacant Housing Units | 2,562 ( 9.8%) |
| Median Home Value | $286,399 |
| Average Home Value | $306,999 |
Housing Distribution
Address Breakdown
Residential
25,614
Single Family
21,776
Multi-Family
3,838
Businesses
1,811
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Wright Team • Better Homes & Gardens Executive Partners
Mls Name: REALTORS of Greater Augusta
Mls Provider:
Mls ID: #542234
Disclaimer: 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. Information is deemed reliable but not guaranteed.