5 H Cook DrMorgantonGA30560
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 5 H Cook Dr, Morganton, GA, 30560 in Morganton at $200,000 earns $1,392/mo in rent and nets $175/mo after the $899/mo payment, a 8.35% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $55,256 over five years. Ziffy Mortgage underwrites this on a 1.55 DSCR without U.S. credit history. With $1,842/yr in principal paydown, total projected return reaches $87,023.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 7.0% |
| Monthly Cash Flow | $175 | $1,500 |
City averages based on Morganton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,392 |
| Total Monthly Debt Service | $1,138 |
| DSCR Ratio | 1.22x |
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 1964
2.16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30560, Morganton, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,928 (100%) |
| Owner Occupied HU | 2,086 (53.1%) |
| Renter Occupied HU | 342 ( 8.7%) |
| Vacant Housing Units | 1,500 (38.2%) |
| Median Home Value | $397,806 |
| Average Home Value | $451,924 |
Housing Distribution
Address Breakdown
Residential
2,752
Single Family
2,752
Multi-Family
0
Businesses
92
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 1964
2.16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30560, Morganton, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,928 (100%) |
| Owner Occupied HU | 2,086 (53.1%) |
| Renter Occupied HU | 342 ( 8.7%) |
| Vacant Housing Units | 1,500 (38.2%) |
| Median Home Value | $397,806 |
| Average Home Value | $451,924 |
Housing Distribution
Address Breakdown
Residential
2,752
Single Family
2,752
Multi-Family
0
Businesses
92
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices