630 S Railroad StShady DaleGA31085
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Shady Dale rentals match the income profile of 630 S Railroad St, Shady Dale, GA, 31085. Listed at $309,900, gross rent is $2,598/mo and net cash flow is $712/mo, a 10.06% yield well above national averages. DSCR 1.86 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $85,620 by year five with $2,854/yr in annual principal reduction, projecting $163,155 in total cumulative return.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 8.0% |
| Monthly Cash Flow | $712 | $500 |
City averages based on Shady Dale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,598 |
| Total Monthly Debt Service | $1,763 |
| DSCR Ratio | 1.47x |
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 1901
1.78 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31085, Shady Dale, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 429 (100%) |
| Owner Occupied HU | 311 (72.5%) |
| Renter Occupied HU | 59 (13.8%) |
| Vacant Housing Units | 59 (13.8%) |
| Median Home Value | $263,587 |
| Average Home Value | $287,211 |
Housing Distribution
Address Breakdown
Residential
373
Single Family
373
Multi-Family
0
Businesses
32
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 1901
1.78 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31085, Shady Dale, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 429 (100%) |
| Owner Occupied HU | 311 (72.5%) |
| Renter Occupied HU | 59 (13.8%) |
| Vacant Housing Units | 59 (13.8%) |
| Median Home Value | $263,587 |
| Average Home Value | $287,211 |
Housing Distribution
Address Breakdown
Residential
373
Single Family
373
Multi-Family
0
Businesses
32
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: LauraLee Collum • Agents Realty LLC
Mls Name: GAMLS
Mls ID: #10611560