4089 Adams Chapel RdHarlemGA30814
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4089 Adams Chapel Rd, Harlem, GA, 30814 in Harlem at $273,000 earns $1,835/mo in rent and nets $173/mo after the $1,228/mo payment, a 8.07% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $75,425 over five years. Ziffy Mortgage underwrites this on a 1.49 DSCR without U.S. credit history. With $2,514/yr in principal paydown, total projected return reaches $114,546.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.5% |
| Monthly Cash Flow | $173 | $450 |
City averages based on Harlem market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,835 |
| Total Monthly Debt Service | $1,553 |
| DSCR Ratio | 1.18x |
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 1978
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30814, Harlem, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,113 (100%) |
| Owner Occupied HU | 3,169 (77.0%) |
| Renter Occupied HU | 709 (17.2%) |
| Vacant Housing Units | 235 ( 5.7%) |
| Median Home Value | $322,684 |
| Average Home Value | $324,520 |
Housing Distribution
Address Breakdown
Residential
3,776
Single Family
3,776
Multi-Family
0
Businesses
152
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 1978
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30814, Harlem, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,113 (100%) |
| Owner Occupied HU | 3,169 (77.0%) |
| Renter Occupied HU | 709 (17.2%) |
| Vacant Housing Units | 235 ( 5.7%) |
| Median Home Value | $322,684 |
| Average Home Value | $324,520 |
Housing Distribution
Address Breakdown
Residential
3,776
Single Family
3,776
Multi-Family
0
Businesses
152
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices