4221 Rolling Ridge DrGillsvilleGA30543
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 4221 Rolling Ridge Dr, Gillsville, GA, 30543 in Gillsville is narrow, $200/mo net on $1,891/mo rent after the $1,250/mo debt service, but the property operates at break-even-plus, not a loss. At $277,888 with a 8.17% yield, the long-run equity case via 5% appreciation ($76,775 over five years) and $2,559/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.51 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $118,083.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 9.0% |
| Monthly Cash Flow | $200 | $1,200 |
City averages based on Gillsville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,891 |
| Total Monthly Debt Service | $1,581 |
| DSCR Ratio | 1.20x |
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 1991
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30543, Gillsville, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,727 (100%) |
| Owner Occupied HU | 1,330 (77.0%) |
| Renter Occupied HU | 305 (17.7%) |
| Vacant Housing Units | 92 ( 5.3%) |
| Median Home Value | $343,812 |
| Average Home Value | $408,380 |
Housing Distribution
Address Breakdown
Residential
1,683
Single Family
1,683
Multi-Family
0
Businesses
49
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 1991
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30543, Gillsville, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,727 (100%) |
| Owner Occupied HU | 1,330 (77.0%) |
| Renter Occupied HU | 305 (17.7%) |
| Vacant Housing Units | 92 ( 5.3%) |
| Median Home Value | $343,812 |
| Average Home Value | $408,380 |
Housing Distribution
Address Breakdown
Residential
1,683
Single Family
1,683
Multi-Family
0
Businesses
49
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices