42 Church LnWhitesburgGA30185
INVESTMENT ANALYSIS
Investment Verdict
Solid Income42 Church Ln, Whitesburg, GA, 30185 in Whitesburg is a solid income-producing rental, 9.21% gross yield, $2,226/mo rent, $462/mo net cash flow on a $289,900 buy. DSCR 1.62 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $80,094 and $2,430/yr in principal reduction project a total cumulative return of $134,089.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 7.0% |
| Monthly Cash Flow | $462 | $500 |
City averages based on Whitesburg market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,226 |
| Total Monthly Debt Service | $1,720 |
| DSCR Ratio | 1.29x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1992
0.77 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30185, Whitesburg, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,722 (100%) |
| Owner Occupied HU | 1,333 (77.4%) |
| Renter Occupied HU | 259 (15.0%) |
| Vacant Housing Units | 130 ( 7.5%) |
| Median Home Value | $286,312 |
| Average Home Value | $300,199 |
Housing Distribution
Address Breakdown
Residential
1,687
Single Family
1,687
Multi-Family
0
Businesses
83
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Celine Higgins Evans • Simply List
Mls Name: FMLS GA
Mls ID: #7675803
