626 Ruffs RdCarltonGA30627
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 626 Ruffs Rd, Carlton, GA, 30627 in Carlton. Rental yield 1.63%. At $898,900 with 1.63% gross yield, current distributions are modest, but the 5% appreciation rate projects $248,350 in new equity by year five, complemented by $8,279/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.30) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $66,911.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.6% | 6.0% |
| Monthly Cash Flow | $(4,250) | $1,200 |
City averages based on Carlton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,220 |
| Total Monthly Debt Service | $5,113 |
| DSCR Ratio | 0.24x |
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 1965
191.49 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30627, Carlton, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,094 (100%) |
| Owner Occupied HU | 852 (77.9%) |
| Renter Occupied HU | 111 (10.1%) |
| Vacant Housing Units | 131 (12.0%) |
| Median Home Value | $223,193 |
| Average Home Value | $245,032 |
Housing Distribution
Address Breakdown
Residential
969
Single Family
969
Multi-Family
0
Businesses
31
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 1965
191.49 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30627, Carlton, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,094 (100%) |
| Owner Occupied HU | 852 (77.9%) |
| Renter Occupied HU | 111 (10.1%) |
| Vacant Housing Units | 131 (12.0%) |
| Median Home Value | $223,193 |
| Average Home Value | $245,032 |
Housing Distribution
Address Breakdown
Residential
969
Single Family
969
Multi-Family
0
Businesses
31
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices