631 Ernest Gibson RdMonticelloGA31064
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.62% yield at 631 Ernest Gibson Rd, Monticello, GA, 31064 in Monticello is solid, but the $1,304/mo payment compresses net cash flow to $76/mo at $289,900. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $80,094 by year five, and $2,670/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.41) without U.S. income documentation. Total projected return: $114,720.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 7.0% |
| Monthly Cash Flow | $76 | $200 |
City averages based on Monticello market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,841 |
| Total Monthly Debt Service | $1,649 |
| DSCR Ratio | 1.12x |
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 2000
8,232 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31064, Monticello, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,690 (100%) |
| Owner Occupied HU | 3,347 (71.4%) |
| Renter Occupied HU | 738 (15.7%) |
| Vacant Housing Units | 605 (12.9%) |
| Median Home Value | $265,837 |
| Average Home Value | $298,068 |
Housing Distribution
Address Breakdown
Residential
4,374
Single Family
4,364
Multi-Family
10
Businesses
283
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 2000
8,232 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31064, Monticello, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,690 (100%) |
| Owner Occupied HU | 3,347 (71.4%) |
| Renter Occupied HU | 738 (15.7%) |
| Vacant Housing Units | 605 (12.9%) |
| Median Home Value | $265,837 |
| Average Home Value | $298,068 |
Housing Distribution
Address Breakdown
Residential
4,374
Single Family
4,364
Multi-Family
10
Businesses
283
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices