4760 Otter Creek CirBlackshearGA31516
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 4760 Otter Creek Cir, Blackshear, GA, 31516 in Blackshear. Rental yield 4.21%. At $324,900 with 4.21% gross yield, current distributions are modest, but the 5% appreciation rate projects $89,764 in new equity by year five, complemented by $2,992/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.78) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $69,165.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 7.0% |
| Monthly Cash Flow | $(837) | $300 |
City averages based on Blackshear market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,140 |
| Total Monthly Debt Service | $1,848 |
| DSCR Ratio | 0.62x |
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 2025
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31516, Blackshear, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,868 (100%) |
| Owner Occupied HU | 4,805 (70.0%) |
| Renter Occupied HU | 1,418 (20.6%) |
| Vacant Housing Units | 645 ( 9.4%) |
| Median Home Value | $155,414 |
| Average Home Value | $186,850 |
Housing Distribution
Address Breakdown
Residential
6,391
Single Family
6,391
Multi-Family
0
Businesses
459
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
0.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31516, Blackshear, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,868 (100%) |
| Owner Occupied HU | 4,805 (70.0%) |
| Renter Occupied HU | 1,418 (20.6%) |
| Vacant Housing Units | 645 ( 9.4%) |
| Median Home Value | $155,414 |
| Average Home Value | $186,850 |
Housing Distribution
Address Breakdown
Residential
6,391
Single Family
6,391
Multi-Family
0
Businesses
459
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Anneliese Lightfoot • Keller Williams Realty Golden Isles
Mls Name: GIAOR
Mls ID: #1652508
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.