4265 Pearhaven LnGainesvilleGA30504
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 4265 Pearhaven Ln, Gainesville, GA, 30504 in Gainesville. Priced at $389,900, it generates $3,974/mo in gross rent and $1,546/mo in net monthly cash flow, a 12.23% yield that comfortably supports the 2.27 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $18,550. Five-year appreciation: $107,722. Equity from principal paydown: $3,591/yr. Total projected cumulative return: $249,473.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.2% | 5.8% |
| Monthly Cash Flow | $1,546 | $285 |
City averages based on Gainesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,974 |
| Total Monthly Debt Service | $2,239 |
| DSCR Ratio | 1.78x |
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 2014
8,276 sqft lot
$N/A/sqft
$250 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30504, Gainesville, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,118 (100%) |
| Owner Occupied HU | 6,105 (54.9%) |
| Renter Occupied HU | 4,193 (37.7%) |
| Vacant Housing Units | 820 ( 7.4%) |
| Median Home Value | $390,691 |
| Average Home Value | $462,413 |
Housing Distribution
Address Breakdown
Residential
10,304
Single Family
7,054
Multi-Family
3,250
Businesses
735
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 2014
8,276 sqft lot
$N/A/sqft
$250 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30504, Gainesville, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,118 (100%) |
| Owner Occupied HU | 6,105 (54.9%) |
| Renter Occupied HU | 4,193 (37.7%) |
| Vacant Housing Units | 820 ( 7.4%) |
| Median Home Value | $390,691 |
| Average Home Value | $462,413 |
Housing Distribution
Address Breakdown
Residential
10,304
Single Family
7,054
Multi-Family
3,250
Businesses
735
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices