481 Mountain Top DrBlue RidgeGA30513
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 481 Mountain Top Dr, Blue Ridge, GA, 30513 in Blue Ridge: $7,136/mo in rent, $959/mo in net income, 8.44% gross yield, 1.56 DSCR, all at $1,015,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $280,426 in appreciation and $9,348/yr in principal paydown projects total cumulative return of $446,124.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 8.0% |
| Monthly Cash Flow | $959 | $1,500 |
City averages based on Blue Ridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,136 |
| Total Monthly Debt Service | $5,774 |
| DSCR Ratio | 1.24x |
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 2012
1.59 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30513, Blue Ridge, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,216 (100%) |
| Owner Occupied HU | 4,239 (46.0%) |
| Renter Occupied HU | 1,398 (15.2%) |
| Vacant Housing Units | 3,579 (38.8%) |
| Median Home Value | $372,061 |
| Average Home Value | $477,859 |
Housing Distribution
Address Breakdown
Residential
6,318
Single Family
6,318
Multi-Family
0
Businesses
1,029
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 2012
1.59 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30513, Blue Ridge, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,216 (100%) |
| Owner Occupied HU | 4,239 (46.0%) |
| Renter Occupied HU | 1,398 (15.2%) |
| Vacant Housing Units | 3,579 (38.8%) |
| Median Home Value | $372,061 |
| Average Home Value | $477,859 |
Housing Distribution
Address Breakdown
Residential
6,318
Single Family
6,318
Multi-Family
0
Businesses
1,029
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Neil Doldo • HomeSmart
Mls Name: NGBOR
Mls ID: #415402
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.