98 Woodruff St SESilver CreekGA30173
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $109,900, 98 Woodruff St SE, Silver Creek, GA, 30173 in Silver Creek generates $844/mo in rent (9.22% yield) but nets only $158/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.71) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $30,363. Total projected return: $51,952.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $158 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $844 |
| Total Monthly Debt Service | $642 |
| DSCR Ratio | 1.31x |
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 1949
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30173, Silver Creek, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,568 (100%) |
| Owner Occupied HU | 1,859 (72.4%) |
| Renter Occupied HU | 530 (20.6%) |
| Vacant Housing Units | 179 ( 7.0%) |
| Median Home Value | $257,540 |
| Average Home Value | $291,040 |
Housing Distribution
Address Breakdown
Residential
2,496
Single Family
2,496
Multi-Family
0
Businesses
59
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 1949
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30173, Silver Creek, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,568 (100%) |
| Owner Occupied HU | 1,859 (72.4%) |
| Renter Occupied HU | 530 (20.6%) |
| Vacant Housing Units | 179 ( 7.0%) |
| Median Home Value | $257,540 |
| Average Home Value | $291,040 |
Housing Distribution
Address Breakdown
Residential
2,496
Single Family
2,496
Multi-Family
0
Businesses
59
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jonathan W. Harris • Toles, Temple & Wright, Inc.
Mls Name: GAMLS
Mls Provider:
Mls ID: #10450339
Disclaimer: The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of GAMLS. All real estate listings are marked with the GAMLS Broker Reciprocity thumbnail logo and detailed information about them includes the name of the listing brokers. The broker providing these data believes them to be correct, but advises interested parties to confirm them before relying on them in a purchase decision. Copyright 2025 GAMLS. All rights reserved.