776 N Main StHiawasseeGA30546
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 776 N Main St, Hiawassee, GA, 30546 in Hiawassee at $1,100,000, 4.58% gross yield, is a market-growth asset. Rental yield 4.58%. The $4,200/mo rent partially funds the $4,946/mo debt service; the core return is the 5%/yr price growth projected to add $303,910 over five years. Ziffy Mortgage's DSCR mortgage (0.85) 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: $235,127.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 7.2% |
| Monthly Cash Flow | $(2,845) | $350 |
City averages based on Hiawassee market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,200 |
| Total Monthly Debt Service | $6,607 |
| DSCR Ratio | 0.64x |
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
1.48 Acres lot
$N/A/sqft
$4,200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30546, Hiawassee, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,403 (100%) |
| Owner Occupied HU | 3,110 (48.6%) |
| Renter Occupied HU | 728 (11.4%) |
| Vacant Housing Units | 2,565 (40.1%) |
| Median Home Value | $412,834 |
| Average Home Value | $468,194 |
Housing Distribution
Address Breakdown
Residential
4,802
Single Family
4,674
Multi-Family
128
Businesses
479
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
1.48 Acres lot
$N/A/sqft
$4,200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30546, Hiawassee, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,403 (100%) |
| Owner Occupied HU | 3,110 (48.6%) |
| Renter Occupied HU | 728 (11.4%) |
| Vacant Housing Units | 2,565 (40.1%) |
| Median Home Value | $412,834 |
| Average Home Value | $468,194 |
Housing Distribution
Address Breakdown
Residential
4,802
Single Family
4,674
Multi-Family
128
Businesses
479
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tara Gillam • Century 21 Black Bear Realty
Mls Name: NGBOR
Mls ID: #416929
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.