1278 Jones RdCataulaGA31804
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 1278 Jones Rd, Cataula, GA, 31804 in Cataula. Priced at $435,000, it generates $3,955/mo in gross rent and $1,308/mo in net monthly cash flow, a 10.91% yield that comfortably supports the 2.02 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $15,693. Five-year appreciation: $120,182. Equity from principal paydown: $4,006/yr. Total projected cumulative return: $248,899.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 6.2% |
| Monthly Cash Flow | $1,308 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,955 |
| Total Monthly Debt Service | $2,474 |
| DSCR Ratio | 1.60x |
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 2001
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31804, Cataula, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,441 (100%) |
| Owner Occupied HU | 2,150 (88.1%) |
| Renter Occupied HU | 187 ( 7.7%) |
| Vacant Housing Units | 104 ( 4.3%) |
| Median Home Value | $326,536 |
| Average Home Value | $369,452 |
Housing Distribution
Address Breakdown
Residential
2,276
Single Family
2,232
Multi-Family
44
Businesses
117
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 2001
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31804, Cataula, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,441 (100%) |
| Owner Occupied HU | 2,150 (88.1%) |
| Renter Occupied HU | 187 ( 7.7%) |
| Vacant Housing Units | 104 ( 4.3%) |
| Median Home Value | $326,536 |
| Average Home Value | $369,452 |
Housing Distribution
Address Breakdown
Residential
2,276
Single Family
2,232
Multi-Family
44
Businesses
117
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeanne Martz • Coldwell Banker / Kennon, Parker, Duncan & Davis
Mls Name: CBORGA
Mls Provider:
Mls ID: #222245
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.