849 Orchard RdPine Mountain ValleyGA31823
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 849 Orchard Rd, Pine Mountain Valley, GA, 31823 in Pine Mountain Valley worth study. Rental yield 3.66%. The 3.66% gross yield is below cash-flow benchmarks at $825,000, but 5% annual appreciation, adding $227,932 over five years, frames this as a capital growth position. Rent of $2,515/mo partially offsets the $3,710/mo payment. Ziffy Mortgage finances appreciation-play properties (0.68 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $151,160.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 7.0% |
| Monthly Cash Flow | $(2,506) | $1,200 |
City averages based on Pine Mountain Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,515 |
| Total Monthly Debt Service | $4,693 |
| DSCR Ratio | 0.54x |
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 2022
53.97 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31823, Pine Mountain Valley, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 367 (100%) |
| Owner Occupied HU | 267 (72.8%) |
| Renter Occupied HU | 52 (14.2%) |
| Vacant Housing Units | 48 (13.1%) |
| Median Home Value | $304,217 |
| Average Home Value | $327,968 |
Housing Distribution
Address Breakdown
Residential
294
Single Family
294
Multi-Family
0
Businesses
19
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 2022
53.97 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31823, Pine Mountain Valley, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 367 (100%) |
| Owner Occupied HU | 267 (72.8%) |
| Renter Occupied HU | 52 (14.2%) |
| Vacant Housing Units | 48 (13.1%) |
| Median Home Value | $304,217 |
| Average Home Value | $327,968 |
Housing Distribution
Address Breakdown
Residential
294
Single Family
294
Multi-Family
0
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jarrett C Lastinger • Mossy Oak Properties Legacy
Mls Name: GAMLS
Mls ID: #10604049