8176 E Highway 5WhitesburgGA30185
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 8176 E Highway 5, Whitesburg, GA, 30185 in Whitesburg. Priced at $339,000, it generates $3,172/mo in gross rent and $1,108/mo in net monthly cash flow, a 11.23% yield that comfortably supports the 2.08 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $13,301. Five-year appreciation: $93,659. Equity from principal paydown: $3,122/yr. Total projected cumulative return: $199,819.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 7.0% |
| Monthly Cash Flow | $1,108 | $500 |
City averages based on Whitesburg market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,172 |
| Total Monthly Debt Service | $1,928 |
| DSCR Ratio | 1.64x |
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 1995
1.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30185, Whitesburg, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,722 (100%) |
| Owner Occupied HU | 1,333 (77.4%) |
| Renter Occupied HU | 259 (15.0%) |
| Vacant Housing Units | 130 ( 7.5%) |
| Median Home Value | $286,312 |
| Average Home Value | $300,199 |
Housing Distribution
Address Breakdown
Residential
1,687
Single Family
1,687
Multi-Family
0
Businesses
83
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 1995
1.66 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30185, Whitesburg, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,722 (100%) |
| Owner Occupied HU | 1,333 (77.4%) |
| Renter Occupied HU | 259 (15.0%) |
| Vacant Housing Units | 130 ( 7.5%) |
| Median Home Value | $286,312 |
| Average Home Value | $300,199 |
Housing Distribution
Address Breakdown
Residential
1,687
Single Family
1,687
Multi-Family
0
Businesses
83
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: FMLS GA
Mls ID: #7770717