441 Diamond Hill Colbert RdColbertGA30628
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder441 Diamond Hill Colbert Rd, Colbert, GA, 30628 in Colbert earns a respectable 7.87% gross yield at $310,000, but after the $1,394/mo mortgage the net cash flow is $146/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.51) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $85,647 over five years, making equity the dominant return driver. Total projected return: $131,856.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 10.0% |
| Monthly Cash Flow | $146 | $300 |
City averages based on Colbert market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,111 |
| Total Monthly Debt Service | $1,763 |
| DSCR Ratio | 1.20x |
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 1971
1.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30628, Colbert, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,172 (100%) |
| Owner Occupied HU | 2,452 (77.3%) |
| Renter Occupied HU | 540 (17.0%) |
| Vacant Housing Units | 180 ( 5.7%) |
| Median Home Value | $260,987 |
| Average Home Value | $270,349 |
Housing Distribution
Address Breakdown
Residential
2,825
Single Family
2,825
Multi-Family
0
Businesses
104
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 1971
1.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30628, Colbert, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,172 (100%) |
| Owner Occupied HU | 2,452 (77.3%) |
| Renter Occupied HU | 540 (17.0%) |
| Vacant Housing Units | 180 ( 5.7%) |
| Median Home Value | $260,987 |
| Average Home Value | $270,349 |
Housing Distribution
Address Breakdown
Residential
2,825
Single Family
2,825
Multi-Family
0
Businesses
104
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kristin Joyner • Living Down South Realty
Mls Name: Classic MLS
Mls Provider:
Mls ID: #1025116
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.