5147 Summer Wood LnYoung HarrisGA30582
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.34% yield at 5147 Summer Wood Ln, Young Harris, GA, 30582 in Young Harris is solid, but the $1,956/mo payment compresses net cash flow to $5/mo at $435,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $120,182 by year five, and $4,006/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.36) without U.S. income documentation. Total projected return: $165,499.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 8.0% |
| Monthly Cash Flow | $5 | $1,500 |
City averages based on Young Harris market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,659 |
| Total Monthly Debt Service | $2,474 |
| DSCR Ratio | 1.07x |
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 1990
0.79 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30582, Young Harris, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,461 (100%) |
| Owner Occupied HU | 2,125 (61.4%) |
| Renter Occupied HU | 444 (12.8%) |
| Vacant Housing Units | 892 (25.8%) |
| Median Home Value | $360,520 |
| Average Home Value | $398,949 |
Housing Distribution
Address Breakdown
Residential
2,708
Single Family
2,708
Multi-Family
0
Businesses
171
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 1990
0.79 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30582, Young Harris, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,461 (100%) |
| Owner Occupied HU | 2,125 (61.4%) |
| Renter Occupied HU | 444 (12.8%) |
| Vacant Housing Units | 892 (25.8%) |
| Median Home Value | $360,520 |
| Average Home Value | $398,949 |
Housing Distribution
Address Breakdown
Residential
2,708
Single Family
2,708
Multi-Family
0
Businesses
171
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: NGBOR
Mls ID: #428726