4284 Cullum CtDecaturGA30034
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeFinancing efficiency matters for international buyers, and 4284 Cullum Ct, Decatur, GA, 30034 in Decatur offers it: the 1.69 DSCR gives Ziffy Mortgage's underwriting team an unusually clean file, no U.S. credit, no personal income required. Rental yield 9.11%. Long-term, 5% appreciation is forecast to add $76,613, and $2,554/yr in principal paydown compounds equity steadily.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 5.8% |
| Monthly Cash Flow | $(2,103) | $450 |
City averages based on Decatur market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,105 |
| Total Monthly Debt Service | $4,097 |
| DSCR Ratio | 0.51x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Townhouse
Built in 2024
4,356 sqft lot
$N/A/sqft
$2,520 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30034, Decatur, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,328 (100%) |
| Owner Occupied HU | 10,789 (55.8%) |
| Renter Occupied HU | 7,033 (36.4%) |
| Vacant Housing Units | 1,506 ( 7.8%) |
| Median Home Value | $285,399 |
| Average Home Value | $334,643 |
Housing Distribution
Address Breakdown
Residential
18,620
Single Family
16,783
Multi-Family
1,837
Businesses
719
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
Townhouse
Built in 2024
4,356 sqft lot
$N/A/sqft
$2,520 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30034, Decatur, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,328 (100%) |
| Owner Occupied HU | 10,789 (55.8%) |
| Renter Occupied HU | 7,033 (36.4%) |
| Vacant Housing Units | 1,506 ( 7.8%) |
| Median Home Value | $285,399 |
| Average Home Value | $334,643 |
Housing Distribution
Address Breakdown
Residential
18,620
Single Family
16,783
Multi-Family
1,837
Businesses
719
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices