5000 Gamm Gay RdGarfieldGA30425
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid fundamentals define the investment case at 5000 Gamm Gay Rd, Garfield, GA, 30425 in Garfield: $1,570/mo in rent, $444/mo in net income, 10.18% gross yield, 1.89 DSCR, all at $185,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $51,112 in appreciation and $1,704/yr in principal paydown projects total cumulative return of $98,669.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 6.0% |
| Monthly Cash Flow | $444 | $300 |
City averages based on Garfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,570 |
| Total Monthly Debt Service | $1,052 |
| DSCR Ratio | 1.49x |
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.
Manufactured
Built in 1998
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30425, Garfield, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 631 (100%) |
| Owner Occupied HU | 432 (68.5%) |
| Renter Occupied HU | 98 (15.5%) |
| Vacant Housing Units | 101 (16.0%) |
| Median Home Value | $123,148 |
| Average Home Value | $209,635 |
Housing Distribution
Address Breakdown
Residential
523
Single Family
523
Multi-Family
0
Businesses
15
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
Manufactured
Built in 1998
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30425, Garfield, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 631 (100%) |
| Owner Occupied HU | 432 (68.5%) |
| Renter Occupied HU | 98 (15.5%) |
| Vacant Housing Units | 101 (16.0%) |
| Median Home Value | $123,148 |
| Average Home Value | $209,635 |
Housing Distribution
Address Breakdown
Residential
523
Single Family
523
Multi-Family
0
Businesses
15
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices