430/432 Old Federal Rd SChatsworthGA30705
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 430/432 Old Federal Rd S, Chatsworth, GA, 30705 in Chatsworth. Priced at $189,900, it generates $1,978/mo in gross rent and $822/mo in net monthly cash flow, a 12.5% yield that comfortably supports the 2.32 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $9,867. Five-year appreciation: $52,466. Equity from principal paydown: $1,749/yr. Total projected cumulative return: $124,842.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.5% | 7.0% |
| Monthly Cash Flow | $822 | $1,200 |
City averages based on Chatsworth market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,978 |
| Total Monthly Debt Service | $1,080 |
| DSCR Ratio | 1.83x |
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.
Multi Family
Built in 1990
3.86 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30705, Chatsworth, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,800 (100%) |
| Owner Occupied HU | 9,000 (65.2%) |
| Renter Occupied HU | 3,835 (27.8%) |
| Vacant Housing Units | 965 ( 7.0%) |
| Median Home Value | $213,336 |
| Average Home Value | $283,556 |
Housing Distribution
Address Breakdown
Residential
12,765
Single Family
12,663
Multi-Family
102
Businesses
755
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
Multi Family
Built in 1990
3.86 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30705, Chatsworth, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,800 (100%) |
| Owner Occupied HU | 9,000 (65.2%) |
| Renter Occupied HU | 3,835 (27.8%) |
| Vacant Housing Units | 965 ( 7.0%) |
| Median Home Value | $213,336 |
| Average Home Value | $283,556 |
Housing Distribution
Address Breakdown
Residential
12,765
Single Family
12,663
Multi-Family
102
Businesses
755
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lee Marshall Hobbs • Keller Williams Realty
Mls Name: Greater Chattanooga Realtors
Mls ID: #1518306