551 South StPine Mountain ValleyGA31823
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play551 South St, Pine Mountain Valley, GA, 31823 in Pine Mountain Valley is priced for appreciation, not yield. Rental yield 5.84%. At $795,000 with a 5.84% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $219,644 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.08) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $238,833.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 7.0% |
| Monthly Cash Flow | $(967) | $1,200 |
City averages based on Pine Mountain Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,871 |
| Total Monthly Debt Service | $4,522 |
| DSCR Ratio | 0.86x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2007
21.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31823, Pine Mountain Valley, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 367 (100%) |
| Owner Occupied HU | 267 (72.8%) |
| Renter Occupied HU | 52 (14.2%) |
| Vacant Housing Units | 48 (13.1%) |
| Median Home Value | $304,217 |
| Average Home Value | $327,968 |
Housing Distribution
Address Breakdown
Residential
294
Single Family
294
Multi-Family
0
Businesses
19
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 2007
21.01 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31823, Pine Mountain Valley, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 367 (100%) |
| Owner Occupied HU | 267 (72.8%) |
| Renter Occupied HU | 52 (14.2%) |
| Vacant Housing Units | 48 (13.1%) |
| Median Home Value | $304,217 |
| Average Home Value | $327,968 |
Housing Distribution
Address Breakdown
Residential
294
Single Family
294
Multi-Family
0
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jean & Alicia Pender Team • Champions Realty
Mls Name: CBORGA
Mls Provider:
Mls ID: #219327
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.