4685 Trefoil PathCummingGA30040
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 4685 Trefoil Path, Cumming, GA, 30040 in Cumming. At $527,325 it earns $3,821/mo in rent and distributes $611/mo to the owner after the $2,371/mo payment, a consistent 8.69% yield. DSCR 1.61 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $145,690 in value; $4,857/yr in principal paydown compounds ownership stake. Total projected return: $239,100.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 6.5% |
| Monthly Cash Flow | $611 | $300 |
City averages based on Cumming market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,821 |
| Total Monthly Debt Service | $3,000 |
| DSCR Ratio | 1.27x |
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30040, Cumming, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 31,006 (100%) |
| Owner Occupied HU | 25,096 (80.9%) |
| Renter Occupied HU | 5,244 (16.9%) |
| Vacant Housing Units | 666 ( 2.1%) |
| Median Home Value | $582,767 |
| Average Home Value | $609,119 |
Housing Distribution
Address Breakdown
Residential
30,239
Single Family
28,686
Multi-Family
1,553
Businesses
2,042
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30040, Cumming, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 31,006 (100%) |
| Owner Occupied HU | 25,096 (80.9%) |
| Renter Occupied HU | 5,244 (16.9%) |
| Vacant Housing Units | 666 ( 2.1%) |
| Median Home Value | $582,767 |
| Average Home Value | $609,119 |
Housing Distribution
Address Breakdown
Residential
30,239
Single Family
28,686
Multi-Family
1,553
Businesses
2,042
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices