523 Hickory Bluff DrWaverlyGA31565
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 1.63% gross rental yield, 523 Hickory Bluff Dr, Waverly, GA, 31565 in Waverly is priced for capital growth, not immediate cash flow. The $795,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $219,644 by year five, with $7,322/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.30) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $59,229.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 1.6% | 6.2% |
| Monthly Cash Flow | $(3,759) | $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 | $1,080 |
| Total Monthly Debt Service | $4,522 |
| DSCR Ratio | 0.24x |
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 1965
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31565, Waverly, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,155 (100%) |
| Owner Occupied HU | 827 (71.6%) |
| Renter Occupied HU | 119 (10.3%) |
| Vacant Housing Units | 209 (18.1%) |
| Median Home Value | $342,763 |
| Average Home Value | $368,942 |
Housing Distribution
Address Breakdown
Residential
1,112
Single Family
1,092
Multi-Family
20
Businesses
40
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 1965
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 31565, Waverly, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,155 (100%) |
| Owner Occupied HU | 827 (71.6%) |
| Renter Occupied HU | 119 (10.3%) |
| Vacant Housing Units | 209 (18.1%) |
| Median Home Value | $342,763 |
| Average Home Value | $368,942 |
Housing Distribution
Address Breakdown
Residential
1,112
Single Family
1,092
Multi-Family
20
Businesses
40
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Harmony Jones • Golf Club Realty LLC
Mls Name: GIAOR
Mls ID: #1650384
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.