46 Willow CirRock SpringGA30739
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 46 Willow Cir, Rock Spring, GA, 30739 in Rock Spring worth modelling. At $304,550 with a 7.8% gross yield, the $1,980/mo rent leaves $87/mo after the $1,369/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.45 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $84,142 by year five; $2,805/yr in principal reduction adds further equity. Total projected return: $121,150.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 7.0% |
| Monthly Cash Flow | $87 | $350 |
City averages based on Rock Spring market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,980 |
| Total Monthly Debt Service | $1,772 |
| DSCR Ratio | 1.12x |
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 2025
0.35 Acres lot
$N/A/sqft
$475 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30739, Rock Spring, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,371 (100%) |
| Owner Occupied HU | 1,837 (77.5%) |
| Renter Occupied HU | 387 (16.3%) |
| Vacant Housing Units | 147 ( 6.2%) |
| Median Home Value | $280,405 |
| Average Home Value | $295,860 |
Housing Distribution
Address Breakdown
Residential
2,254
Single Family
2,254
Multi-Family
0
Businesses
153
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 2025
0.35 Acres lot
$N/A/sqft
$475 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30739, Rock Spring, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,371 (100%) |
| Owner Occupied HU | 1,837 (77.5%) |
| Renter Occupied HU | 387 (16.3%) |
| Vacant Housing Units | 147 ( 6.2%) |
| Median Home Value | $280,405 |
| Average Home Value | $295,860 |
Housing Distribution
Address Breakdown
Residential
2,254
Single Family
2,254
Multi-Family
0
Businesses
153
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Yenny Neal • SDC Realty, LLC.
Mls Name: FMLS GA
Mls Provider:
Mls ID: #7578025
Disclaimer: Listings identified with the FMLS IDX logo come from FMLS and are held by brokerage firms other than the owner of this website. The listing brokerage is identified in any listing details. Information is deemed reliable but is not guaranteed. If you believe any FMLS listing contains material that infringes your copyrighted work please [click here](https://www.fmls.com/dmca) to review our DMCA policy and learn how to submit a takedown request. 2025 First Multiple Listing Service, Inc. [Click here for more information](/mls-disclaimers/#30)