425 S 3rd StViennaGA31092
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 425 S 3rd St, Vienna, GA, 31092 in Vienna worth modelling. At $220,000 with a 7.35% gross yield, the $1,348/mo rent leaves $9/mo after the $989/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.36 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $60,782 by year five; $2,026/yr in principal reduction adds further equity. Total projected return: $83,930.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 10.0% |
| Monthly Cash Flow | $9 | $400 |
City averages based on Vienna market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,348 |
| Total Monthly Debt Service | $1,251 |
| DSCR Ratio | 1.08x |
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 1938
0.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31092, Vienna, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,902 (100%) |
| Owner Occupied HU | 1,652 (56.9%) |
| Renter Occupied HU | 766 (26.4%) |
| Vacant Housing Units | 484 (16.7%) |
| Median Home Value | $118,529 |
| Average Home Value | $161,415 |
Housing Distribution
Address Breakdown
Residential
2,034
Single Family
2,034
Multi-Family
0
Businesses
202
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 1938
0.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31092, Vienna, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,902 (100%) |
| Owner Occupied HU | 1,652 (56.9%) |
| Renter Occupied HU | 766 (26.4%) |
| Vacant Housing Units | 484 (16.7%) |
| Median Home Value | $118,529 |
| Average Home Value | $161,415 |
Housing Distribution
Address Breakdown
Residential
2,034
Single Family
2,034
Multi-Family
0
Businesses
202
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices