430 Clover StAthensGA30606
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 430 Clover St, Athens, GA, 30606 in Athens worth study. Rental yield 4.9%. The 4.9% gross yield is below cash-flow benchmarks at $309,000, but 5% annual appreciation, adding $85,371 over five years, frames this as a capital growth position. Rent of $1,261/mo partially offsets the $1,389/mo payment. Ziffy Mortgage finances appreciation-play properties (0.91 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $77,192.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 6.0% |
| Monthly Cash Flow | $(620) | $250 |
City averages based on Athens market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,261 |
| Total Monthly Debt Service | $1,758 |
| DSCR Ratio | 0.72x |
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.
Single Family
Built in 1949
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30606, Athens, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,996 (100%) |
| Owner Occupied HU | 10,120 (44.0%) |
| Renter Occupied HU | 11,389 (49.5%) |
| Vacant Housing Units | 1,487 ( 6.5%) |
| Median Home Value | $359,212 |
| Average Home Value | $448,667 |
Housing Distribution
Address Breakdown
Residential
21,910
Single Family
16,323
Multi-Family
5,587
Businesses
1,560
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 1949
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30606, Athens, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,996 (100%) |
| Owner Occupied HU | 10,120 (44.0%) |
| Renter Occupied HU | 11,389 (49.5%) |
| Vacant Housing Units | 1,487 ( 6.5%) |
| Median Home Value | $359,212 |
| Average Home Value | $448,667 |
Housing Distribution
Address Breakdown
Residential
21,910
Single Family
16,323
Multi-Family
5,587
Businesses
1,560
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Grace Carter • Coldwell Banker Upchurch Realty
Mls Name: Hive MLS
Mls ID: #CL335225
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.