5871 E Main StPattersonGA31557
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 5871 E Main St, Patterson, GA, 31557 in Patterson is narrow, $134/mo net on $1,467/mo rent after the $985/mo debt service, but the property operates at break-even-plus, not a loss. At $219,000 with a 8.04% yield, the long-run equity case via 5% appreciation ($60,506 over five years) and $2,017/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.49 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $91,594.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 7.0% |
| Monthly Cash Flow | $134 | $250 |
City averages based on Patterson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,467 |
| Total Monthly Debt Service | $1,246 |
| DSCR Ratio | 1.18x |
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 1958
0.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31557, Patterson, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,460 (100%) |
| Owner Occupied HU | 1,035 (70.9%) |
| Renter Occupied HU | 240 (16.4%) |
| Vacant Housing Units | 185 (12.7%) |
| Median Home Value | $171,274 |
| Average Home Value | $188,971 |
Housing Distribution
Address Breakdown
Residential
1,281
Single Family
1,281
Multi-Family
0
Businesses
66
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 1958
0.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31557, Patterson, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,460 (100%) |
| Owner Occupied HU | 1,035 (70.9%) |
| Renter Occupied HU | 240 (16.4%) |
| Vacant Housing Units | 185 (12.7%) |
| Median Home Value | $171,274 |
| Average Home Value | $188,971 |
Housing Distribution
Address Breakdown
Residential
1,281
Single Family
1,281
Multi-Family
0
Businesses
66
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Misti Martin • eXp Realty, LLC
Mls Name: GIAOR
Mls ID: #1650843
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.