623 Cedar Ridge RdHartwellGA30643
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Hartwell at 623 Cedar Ridge Rd, Hartwell, GA, 30643 projects strong ROI of 4.91%. Rental yield 2.29%. With 5% annual appreciation, the property builds $639,896 in value over five years. Equity growth combined delivers a projected five-year ROI of 38.93%, translating into $254,735 in total cumulative return on $654,299 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.3% | 8.0% |
| Monthly Cash Flow | $(9,672) | $300 |
City averages based on Hartwell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,424 |
| Total Monthly Debt Service | $13,175 |
| DSCR Ratio | 0.34x |
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 2023
1.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30643, Hartwell, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,051 (100%) |
| Owner Occupied HU | 5,541 (61.2%) |
| Renter Occupied HU | 1,767 (19.5%) |
| Vacant Housing Units | 1,743 (19.3%) |
| Median Home Value | $286,799 |
| Average Home Value | $376,876 |
Housing Distribution
Address Breakdown
Residential
8,311
Single Family
8,255
Multi-Family
56
Businesses
796
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 2023
1.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30643, Hartwell, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,051 (100%) |
| Owner Occupied HU | 5,541 (61.2%) |
| Renter Occupied HU | 1,767 (19.5%) |
| Vacant Housing Units | 1,743 (19.3%) |
| Median Home Value | $286,799 |
| Average Home Value | $376,876 |
Housing Distribution
Address Breakdown
Residential
8,311
Single Family
8,255
Multi-Family
56
Businesses
796
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices