865 Ga Highway 26 EElkoGA31025
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 865 Ga Highway 26 E, Elko, GA, 31025 in Elko. Rental yield 5.47%. At $640,000 with 5.47% gross yield, current distributions are modest, but the 5% appreciation rate projects $176,820 in new equity by year five, complemented by $5,894/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.01) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $179,523.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 6.0% |
| Monthly Cash Flow | $(977) | $1,500 |
City averages based on Elko market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,918 |
| Total Monthly Debt Service | $3,641 |
| DSCR Ratio | 0.80x |
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 2016
15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31025, Elko, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 763 (100%) |
| Owner Occupied HU | 639 (83.7%) |
| Renter Occupied HU | 80 (10.5%) |
| Vacant Housing Units | 44 ( 5.8%) |
| Median Home Value | $357,595 |
| Average Home Value | $389,988 |
Housing Distribution
Address Breakdown
Residential
635
Single Family
635
Multi-Family
0
Businesses
22
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 2016
15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31025, Elko, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 763 (100%) |
| Owner Occupied HU | 639 (83.7%) |
| Renter Occupied HU | 80 (10.5%) |
| Vacant Housing Units | 44 ( 5.8%) |
| Median Home Value | $357,595 |
| Average Home Value | $389,988 |
Housing Distribution
Address Breakdown
Residential
635
Single Family
635
Multi-Family
0
Businesses
22
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices