4651 State Highway 62BlakelyGA39823
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 4651 State Highway 62, Blakely, GA, 39823 in Blakely is capital appreciation. Rental yield 2.65%. The 2.65% gross yield at $989,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $273,491 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.49) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $127,717.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.7% | 6.2% |
| Monthly Cash Flow | $(3,842) | $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 | $2,183 |
| Total Monthly Debt Service | $5,631 |
| DSCR Ratio | 0.39x |
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 2015
29.51 Acres lot
$N/A/sqft
No HOA
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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 2015
29.51 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices