526 4th StManchesterGA31816
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Manchester rental at 526 4th St, Manchester, GA, 31816 sits in the solid-income band: 9.54% gross yield, $938/mo rent, $220/mo net after the $531/mo debt service, DSCR 1.77. Entry price of $118,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $32,601 and $1,087/yr in principal reduction bring total cumulative return to $58,848.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.5% | 8.0% |
| Monthly Cash Flow | $220 | $300 |
City averages based on Manchester market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $938 |
| Total Monthly Debt Service | $671 |
| DSCR Ratio | 1.40x |
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 1945
0.58 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31816, Manchester, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,503 (100%) |
| Owner Occupied HU | 1,376 (55.0%) |
| Renter Occupied HU | 784 (31.3%) |
| Vacant Housing Units | 343 (13.7%) |
| Median Home Value | $155,060 |
| Average Home Value | $202,373 |
Housing Distribution
Address Breakdown
Residential
2,106
Single Family
2,106
Multi-Family
0
Businesses
246
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 1945
0.58 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31816, Manchester, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,503 (100%) |
| Owner Occupied HU | 1,376 (55.0%) |
| Renter Occupied HU | 784 (31.3%) |
| Vacant Housing Units | 343 (13.7%) |
| Median Home Value | $155,060 |
| Average Home Value | $202,373 |
Housing Distribution
Address Breakdown
Residential
2,106
Single Family
2,106
Multi-Family
0
Businesses
246
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Penny Hale • Meadows Hale Realty, Inc.
Mls Name: CBORGA
Mls Provider:
Mls ID: #221809
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.