6B Brannon Ridge RdYoung HarrisGA30582
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 6B Brannon Ridge Rd, Young Harris, GA, 30582 in Young Harris at $764,000, 4.71% gross yield, is a market-growth asset. Rental yield 4.71%. The $3,000/mo rent partially funds the $3,435/mo debt service; the core return is the 5%/yr price growth projected to add $211,079 over five years. Ziffy Mortgage's DSCR mortgage (0.87) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $183,234.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 8.0% |
| Monthly Cash Flow | $(1,650) | $1,500 |
City averages based on Young Harris market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,000 |
| Total Monthly Debt Service | $4,346 |
| DSCR Ratio | 0.69x |
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 2024
1.54 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30582, Young Harris, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,461 (100%) |
| Owner Occupied HU | 2,125 (61.4%) |
| Renter Occupied HU | 444 (12.8%) |
| Vacant Housing Units | 892 (25.8%) |
| Median Home Value | $360,520 |
| Average Home Value | $398,949 |
Housing Distribution
Address Breakdown
Residential
2,708
Single Family
2,708
Multi-Family
0
Businesses
171
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 2024
1.54 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30582, Young Harris, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,461 (100%) |
| Owner Occupied HU | 2,125 (61.4%) |
| Renter Occupied HU | 444 (12.8%) |
| Vacant Housing Units | 892 (25.8%) |
| Median Home Value | $360,520 |
| Average Home Value | $398,949 |
Housing Distribution
Address Breakdown
Residential
2,708
Single Family
2,708
Multi-Family
0
Businesses
171
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices