Woodbury Plan, Chimney Oaks CottagesHomerGA30547
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowWoodbury Plan, Chimney Oaks Cottages, Homer, GA, 30547 in Homer earns its strong cash-flow label: 11.28% yield, $3,445/mo rent, $1,215/mo net income, DSCR 2.09. The $366,490 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $101,254 by year five. Combined with $3,375/yr in principal paydown, total projected return reaches $216,994.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 6.0% |
| Monthly Cash Flow | $1,215 | $300 |
City averages based on Homer market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,445 |
| Total Monthly Debt Service | $2,085 |
| DSCR Ratio | 1.65x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30547, Homer, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,434 (100%) |
| Owner Occupied HU | 1,019 (71.1%) |
| Renter Occupied HU | 272 (19.0%) |
| Vacant Housing Units | 143 ( 10.0%) |
| Median Home Value | $324,905 |
| Average Home Value | $396,970 |
Housing Distribution
Address Breakdown
Residential
1,628
Single Family
1,628
Multi-Family
0
Businesses
199
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30547, Homer, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,434 (100%) |
| Owner Occupied HU | 1,019 (71.1%) |
| Renter Occupied HU | 272 (19.0%) |
| Vacant Housing Units | 143 ( 10.0%) |
| Median Home Value | $324,905 |
| Average Home Value | $396,970 |
Housing Distribution
Address Breakdown
Residential
1,628
Single Family
1,628
Multi-Family
0
Businesses
199
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices