4776 Gay LnGainesvilleGA30504
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 4776 Gay Ln, Gainesville, GA, 30504 in Gainesville: $2,648/mo in rent, $777/mo net, 10.34% gross yield, all on a $307,500 acquisition. The 1.91 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $84,957 in value, and $2,832/yr in principal paydown steadily builds equity. Projected total cumulative return: $166,447.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 5.8% |
| Monthly Cash Flow | $777 | $285 |
City averages based on Gainesville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,648 |
| Total Monthly Debt Service | $1,749 |
| DSCR Ratio | 1.51x |
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 1982
0.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30504, Gainesville, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,118 (100%) |
| Owner Occupied HU | 6,105 (54.9%) |
| Renter Occupied HU | 4,193 (37.7%) |
| Vacant Housing Units | 820 ( 7.4%) |
| Median Home Value | $390,691 |
| Average Home Value | $462,413 |
Housing Distribution
Address Breakdown
Residential
10,304
Single Family
7,054
Multi-Family
3,250
Businesses
735
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 1982
0.80 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30504, Gainesville, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,118 (100%) |
| Owner Occupied HU | 6,105 (54.9%) |
| Renter Occupied HU | 4,193 (37.7%) |
| Vacant Housing Units | 820 ( 7.4%) |
| Median Home Value | $390,691 |
| Average Home Value | $462,413 |
Housing Distribution
Address Breakdown
Residential
10,304
Single Family
7,054
Multi-Family
3,250
Businesses
735
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sam Elliott • Nationalrei, LLC
Mls Name: FMLS GA
Mls Provider:
Mls ID: #7549677
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