407 3rd StUnadillaGA31091
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.12% yield at 407 3rd St, Unadilla, GA, 31091 in Unadilla is solid, but the $517/mo payment compresses net cash flow to $142/mo at $115,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $31,772 by year five, and $1,059/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.69) without U.S. income documentation. Total projected return: $52,847.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 12.0% |
| Monthly Cash Flow | $142 | $350 |
City averages based on Unadilla market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $874 |
| Total Monthly Debt Service | $686 |
| DSCR Ratio | 1.27x |
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 1890
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31091, Unadilla, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,194 (100%) |
| Owner Occupied HU | 721 (60.4%) |
| Renter Occupied HU | 315 (26.4%) |
| Vacant Housing Units | 158 (13.2%) |
| Median Home Value | $106,920 |
| Average Home Value | $156,921 |
Housing Distribution
Address Breakdown
Residential
572
Single Family
572
Multi-Family
0
Businesses
97
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 1890
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31091, Unadilla, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,194 (100%) |
| Owner Occupied HU | 721 (60.4%) |
| Renter Occupied HU | 315 (26.4%) |
| Vacant Housing Units | 158 (13.2%) |
| Median Home Value | $106,920 |
| Average Home Value | $156,921 |
Housing Distribution
Address Breakdown
Residential
572
Single Family
572
Multi-Family
0
Businesses
97
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brooke Joblinske-Crews • KELLER WILLIAMS REALTY MIDDLE GEORGIA
Mls Name: CGMLS
Mls ID: #241891
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.