4954 Penscot WayStone MountainGA30088
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 4954 Penscot Way, Stone Mountain, GA, 30088 in Stone Mountain deserves attention. This $291,000 property earns $2,443/mo in rent, a 10.08% gross yield, and nets $646/mo after the $1,309/mo payment. DSCR 1.87 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $80,398 compounds alongside $2,680/yr in yearly equity build, for a total cumulative return of $151,909.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.0% |
| Monthly Cash Flow | $646 | $2,096 |
City averages based on Stone Mountain market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,443 |
| Total Monthly Debt Service | $1,681 |
| DSCR Ratio | 1.45x |
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 1992
7,405 sqft lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30088, Stone Mountain, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,517 (100%) |
| Owner Occupied HU | 5,988 (56.9%) |
| Renter Occupied HU | 3,958 (37.6%) |
| Vacant Housing Units | 571 ( 5.4%) |
| Median Home Value | $262,240 |
| Average Home Value | $303,802 |
Housing Distribution
Address Breakdown
Residential
10,416
Single Family
8,432
Multi-Family
1,984
Businesses
183
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 1992
7,405 sqft lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30088, Stone Mountain, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,517 (100%) |
| Owner Occupied HU | 5,988 (56.9%) |
| Renter Occupied HU | 3,958 (37.6%) |
| Vacant Housing Units | 571 ( 5.4%) |
| Median Home Value | $262,240 |
| Average Home Value | $303,802 |
Housing Distribution
Address Breakdown
Residential
10,416
Single Family
8,432
Multi-Family
1,984
Businesses
183
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jacqueline Shaffer • Offerpad Brokerage, LLC.
Mls Name: FMLS GA
Mls Provider:
Mls ID: #7578306
Disclaimer: Listings identified with the FMLS IDX logo come from FMLS and are held by brokerage firms other than the owner of this website. The listing brokerage is identified in any listing details. Information is deemed reliable but is not guaranteed. If you believe any FMLS listing contains material that infringes your copyrighted work please [click here](https://www.fmls.com/dmca) to review our DMCA policy and learn how to submit a takedown request. 2025 First Multiple Listing Service, Inc. [Click here for more information](/mls-disclaimers/#30)