4960 Plainsman CirCummingGA30028
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 4960 Plainsman Cir, Cumming, GA, 30028 in Cumming, $639,900, 7.44% gross yield, $73/mo net income. Consider it a market-entry position, the $3,967/mo rent covers the $2,877/mo payment with a margin, and 5%/yr appreciation is projected to add $176,793 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.38) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $247,062.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.5% |
| Monthly Cash Flow | $73 | $300 |
City averages based on Cumming market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,967 |
| Total Monthly Debt Service | $3,640 |
| DSCR Ratio | 1.09x |
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 2015
10,454 sqft lot
$N/A/sqft
No HOA
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 2015
10,454 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices