8639 Lower Blue Springs RdHamiltonGA31811
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.32% yield at 8639 Lower Blue Springs Rd, Hamilton, GA, 31811 in Hamilton is solid, but the $1,347/mo payment compresses net cash flow to $5/mo at $299,500. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $82,746 by year five, and $2,758/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.36) without U.S. income documentation. Total projected return: $113,804.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 9.0% |
| Monthly Cash Flow | $5 | $1,200 |
City averages based on Hamilton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,828 |
| Total Monthly Debt Service | $1,704 |
| DSCR Ratio | 1.07x |
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.
Manufactured
Built in 2007
13.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31811, Hamilton, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,634 (100%) |
| Owner Occupied HU | 1,949 (74.0%) |
| Renter Occupied HU | 342 (13.0%) |
| Vacant Housing Units | 343 (13.0%) |
| Median Home Value | $327,579 |
| Average Home Value | $415,581 |
Housing Distribution
Address Breakdown
Residential
2,270
Single Family
2,270
Multi-Family
0
Businesses
144
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
Manufactured
Built in 2007
13.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31811, Hamilton, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,634 (100%) |
| Owner Occupied HU | 1,949 (74.0%) |
| Renter Occupied HU | 342 (13.0%) |
| Vacant Housing Units | 343 (13.0%) |
| Median Home Value | $327,579 |
| Average Home Value | $415,581 |
Housing Distribution
Address Breakdown
Residential
2,270
Single Family
2,270
Multi-Family
0
Businesses
144
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John Bunn • Century 21 Bunn Real Estate
Mls Name: CBORGA
Mls Provider:
Mls ID: #221575
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.