632 Pine StUnadillaGA31091
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 2.54% gross rental yield, 632 Pine St, Unadilla, GA, 31091 in Unadilla is priced for capital growth, not immediate cash flow. The $680,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $187,871 by year five, with $6,263/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.47) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $83,878.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.5% | 12.0% |
| Monthly Cash Flow | $(2,699) | $350 |
City averages based on Unadilla market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,440 |
| Total Monthly Debt Service | $3,868 |
| DSCR Ratio | 0.37x |
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.
Multi Family
Built in 1992
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31091, Unadilla, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,194 (100%) |
| Owner Occupied HU | 721 (60.4%) |
| Renter Occupied HU | 315 (26.4%) |
| Vacant Housing Units | 158 (13.2%) |
| Median Home Value | $106,920 |
| Average Home Value | $156,921 |
Housing Distribution
Address Breakdown
Residential
572
Single Family
572
Multi-Family
0
Businesses
97
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
Multi Family
Built in 1992
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31091, Unadilla, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,194 (100%) |
| Owner Occupied HU | 721 (60.4%) |
| Renter Occupied HU | 315 (26.4%) |
| Vacant Housing Units | 158 (13.2%) |
| Median Home Value | $106,920 |
| Average Home Value | $156,921 |
Housing Distribution
Address Breakdown
Residential
572
Single Family
572
Multi-Family
0
Businesses
97
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices