490 Finale StTalking RockGA30175
INVESTMENT ANALYSIS
Investment Verdict
Solid Income490 Finale St, Talking Rock, GA, 30175 in Talking Rock is a solid income-producing rental, 8.78% gross yield, $3,343/mo rent, $487/mo net cash flow on a $456,999 buy. DSCR 1.63 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $126,260 and $4,209/yr in principal reduction project a total cumulative return of $204,739.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.0% |
| Monthly Cash Flow | $487 | $300 |
City averages based on Talking Rock market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,343 |
| Total Monthly Debt Service | $2,675 |
| DSCR Ratio | 1.25x |
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 2007
1.92 Acres lot
$N/A/sqft
$900 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30175, Talking Rock, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,026 (100%) |
| Owner Occupied HU | 2,251 (74.4%) |
| Renter Occupied HU | 457 (15.1%) |
| Vacant Housing Units | 318 (10.5%) |
| Median Home Value | $322,556 |
| Average Home Value | $376,225 |
Housing Distribution
Address Breakdown
Residential
2,935
Single Family
2,934
Multi-Family
1
Businesses
89
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 2007
1.92 Acres lot
$N/A/sqft
$900 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30175, Talking Rock, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,026 (100%) |
| Owner Occupied HU | 2,251 (74.4%) |
| Renter Occupied HU | 457 (15.1%) |
| Vacant Housing Units | 318 (10.5%) |
| Median Home Value | $322,556 |
| Average Home Value | $376,225 |
Housing Distribution
Address Breakdown
Residential
2,935
Single Family
2,934
Multi-Family
1
Businesses
89
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Hollie Morris • Century 21 Lindsey and Pauley
Mls Name: FMLS GA
Mls Provider:
Mls ID: #7564328
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