820 Camp Creek RdCorneliaGA30531
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 820 Camp Creek Rd, Cornelia, GA, 30531 in Cornelia is narrow, $152/mo net on $3,043/mo rent after the $2,136/mo debt service, but the property operates at break-even-plus, not a loss. At $475,000 with a 7.69% yield, the long-run equity case via 5% appreciation ($131,234 over five years) and $4,375/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.42 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $189,686.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 8.0% |
| Monthly Cash Flow | $152 | $300 |
City averages based on Cornelia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,043 |
| Total Monthly Debt Service | $2,702 |
| DSCR Ratio | 1.13x |
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 2017
1.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30531, Cornelia, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,866 (100%) |
| Owner Occupied HU | 2,884 (59.3%) |
| Renter Occupied HU | 1,495 (30.7%) |
| Vacant Housing Units | 487 (10.0%) |
| Median Home Value | $245,546 |
| Average Home Value | $290,388 |
Housing Distribution
Address Breakdown
Residential
4,760
Single Family
4,585
Multi-Family
175
Businesses
616
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 2017
1.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30531, Cornelia, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,866 (100%) |
| Owner Occupied HU | 2,884 (59.3%) |
| Renter Occupied HU | 1,495 (30.7%) |
| Vacant Housing Units | 487 (10.0%) |
| Median Home Value | $245,546 |
| Average Home Value | $290,388 |
Housing Distribution
Address Breakdown
Residential
4,760
Single Family
4,585
Multi-Family
175
Businesses
616
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices