4749 Highway 65PelhamGA31779
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 4749 Highway 65, Pelham, GA, 31779 in Pelham at $599,000, 3.79% gross yield, is a market-growth asset. Rental yield 3.79%. The $1,891/mo rent partially funds the $2,693/mo debt service; the core return is the 5%/yr price growth projected to add $165,493 over five years. Ziffy Mortgage's DSCR mortgage (0.70) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $114,028.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 7.0% |
| Monthly Cash Flow | $(1,754) | $300 |
City averages based on Pelham market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,891 |
| Total Monthly Debt Service | $3,407 |
| DSCR Ratio | 0.55x |
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 1985
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31779, Pelham, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,244 (100%) |
| Owner Occupied HU | 1,953 (60.2%) |
| Renter Occupied HU | 989 (30.5%) |
| Vacant Housing Units | 302 ( 9.3%) |
| Median Home Value | $171,338 |
| Average Home Value | $224,224 |
Housing Distribution
Address Breakdown
Residential
3,105
Single Family
3,081
Multi-Family
24
Businesses
226
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 1985
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31779, Pelham, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,244 (100%) |
| Owner Occupied HU | 1,953 (60.2%) |
| Renter Occupied HU | 989 (30.5%) |
| Vacant Housing Units | 302 ( 9.3%) |
| Median Home Value | $171,338 |
| Average Home Value | $224,224 |
Housing Distribution
Address Breakdown
Residential
3,105
Single Family
3,081
Multi-Family
24
Businesses
226
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices