445 2nd StRhineGA31077
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 445 2nd St, Rhine, GA, 31077 in Rhine: $1,367/mo in rent, $460/mo in net income, 11.01% gross yield, 2.04 DSCR, all at $149,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $41,166 in appreciation and $1,372/yr in principal paydown projects total cumulative return of $86,080.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11% | 6.0% |
| Monthly Cash Flow | $460 | $300 |
City averages based on Rhine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,367 |
| Total Monthly Debt Service | $848 |
| DSCR Ratio | 1.61x |
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 1945
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31077, Rhine, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 629 (100%) |
| Owner Occupied HU | 415 (66.0%) |
| Renter Occupied HU | 77 (12.2%) |
| Vacant Housing Units | 137 (21.8%) |
| Median Home Value | $161,234 |
| Average Home Value | $198,301 |
Housing Distribution
Address Breakdown
Residential
445
Single Family
445
Multi-Family
0
Businesses
23
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 1945
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31077, Rhine, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 629 (100%) |
| Owner Occupied HU | 415 (66.0%) |
| Renter Occupied HU | 77 (12.2%) |
| Vacant Housing Units | 137 (21.8%) |
| Median Home Value | $161,234 |
| Average Home Value | $198,301 |
Housing Distribution
Address Breakdown
Residential
445
Single Family
445
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices