633 Silva St #130CummingGA30040
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 633 Silva St #130, Cumming, GA, 30040 in Cumming is a conservative rental investment at $531,900. Rental yield 6.4%. A 1.19 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $146,954; $4,899/yr in principal paydown supplements. Total projected return: $162,290.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 6.5% |
| Monthly Cash Flow | $(624) | $300 |
City averages based on Cumming market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,838 |
| Total Monthly Debt Service | $3,251 |
| DSCR Ratio | 0.87x |
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.
Townhouse
Built in 2025
N/A lot
$N/A/sqft
$225 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30040, Cumming, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 31,006 (100%) |
| Owner Occupied HU | 25,096 (80.9%) |
| Renter Occupied HU | 5,244 (16.9%) |
| Vacant Housing Units | 666 ( 2.1%) |
| Median Home Value | $582,767 |
| Average Home Value | $609,119 |
Housing Distribution
Address Breakdown
Residential
30,239
Single Family
28,686
Multi-Family
1,553
Businesses
2,042
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
Townhouse
Built in 2025
N/A lot
$N/A/sqft
$225 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30040, Cumming, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 31,006 (100%) |
| Owner Occupied HU | 25,096 (80.9%) |
| Renter Occupied HU | 5,244 (16.9%) |
| Vacant Housing Units | 666 ( 2.1%) |
| Median Home Value | $582,767 |
| Average Home Value | $609,119 |
Housing Distribution
Address Breakdown
Residential
30,239
Single Family
28,686
Multi-Family
1,553
Businesses
2,042
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: HEATHER HEIL • The Providence Group Realty, LLC.
Mls Name: FMLS GA
Mls Provider:
Mls ID: #7723072
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