4085 Harris RdEllerslieGA31807
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 4085 Harris Rd, Ellerslie, GA, 31807 in Ellerslie deserves attention. This $299,900 property earns $3,000/mo in rent, a 12% gross yield, and nets $1,175/mo after the $1,349/mo payment. DSCR 2.22 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $82,857 compounds alongside $2,762/yr in yearly equity build, for a total cumulative return of $189,175.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 6.0% |
| Monthly Cash Flow | $1,175 | $1,500 |
City averages based on Ellerslie market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,000 |
| Total Monthly Debt Service | $1,706 |
| DSCR Ratio | 1.76x |
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 1970
1.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31807, Ellerslie, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,012 (100%) |
| Owner Occupied HU | 898 (88.7%) |
| Renter Occupied HU | 86 ( 8.5%) |
| Vacant Housing Units | 28 ( 2.8%) |
| Median Home Value | $320,819 |
| Average Home Value | $347,545 |
Housing Distribution
Address Breakdown
Residential
1,095
Single Family
1,095
Multi-Family
0
Businesses
54
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 1970
1.07 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31807, Ellerslie, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,012 (100%) |
| Owner Occupied HU | 898 (88.7%) |
| Renter Occupied HU | 86 ( 8.5%) |
| Vacant Housing Units | 28 ( 2.8%) |
| Median Home Value | $320,819 |
| Average Home Value | $347,545 |
Housing Distribution
Address Breakdown
Residential
1,095
Single Family
1,095
Multi-Family
0
Businesses
54
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices