5404 White Oak RdApplingGA30802
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 5404 White Oak Rd, Appling, GA, 30802 in Appling at $663,950 earns $5,177/mo in rent and nets $189/mo after the $2,986/mo payment, a 7.58% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $183,437 over five years. Ziffy Mortgage underwrites this on a 1.73 DSCR without U.S. credit history. With $6,115/yr in principal paydown, total projected return reaches $319,208.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.0% |
| Monthly Cash Flow | $189 | $300 |
City averages based on Appling market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,177 |
| Total Monthly Debt Service | $3,866 |
| DSCR Ratio | 1.34x |
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 2004
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30802, Appling, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,968 (100%) |
| Owner Occupied HU | 2,279 (76.8%) |
| Renter Occupied HU | 269 ( 9.1%) |
| Vacant Housing Units | 420 (14.2%) |
| Median Home Value | $452,608 |
| Average Home Value | $479,122 |
Housing Distribution
Address Breakdown
Residential
2,740
Single Family
2,737
Multi-Family
3
Businesses
182
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 2004
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30802, Appling, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,968 (100%) |
| Owner Occupied HU | 2,279 (76.8%) |
| Renter Occupied HU | 269 ( 9.1%) |
| Vacant Housing Units | 420 (14.2%) |
| Median Home Value | $452,608 |
| Average Home Value | $479,122 |
Housing Distribution
Address Breakdown
Residential
2,740
Single Family
2,737
Multi-Family
3
Businesses
182
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices