95 Shiloh Church Rd · Whitesburg, GA 30116

$79,999

2 bd · 1.0 ba · 720 sqft · Manufactured public records · 114 Days on market

Built 1985 1.80 ac lot ↓ 23% since listing

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Why this score? — see what drove the B- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +3.6/10.0
• Livability +2.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.2/10.0

Listing remarks MLS

Great fixer opportunity in Carrollton! Enjoy privacy on your 1.8 acres of land while you make improvements to this home and property. Enter this mobile home through the screened in porch, this home features 2 bedrooms and 1 bathroom, plus a bonus room that has access to the back yard through the back door of the home. A nice sized family room with wood burning stove and the kitchen complete the home. The laundry room is combined with the bathroom. Home is serviced by well water and septic tank. Well pump is in need of repair and the electrical wiring for the pump seems to be the only issue. Workshop room has electricity available. Excellent opportunity to make your own homestead or for your investment profile as a rental home. Home is sold AS IS and the property is AS IS. There is an above ground pool that was not used in the summer of 2025. There are several outbuildings that may have personal effects in them, and these items will convey with the property. Cash purchase or potential for a FHA 203(K) loan.

Key facts

• Screened in porch
• Laundry room
• Bonus room

Tags

• 1.8 ACRES OF LAND
• SCREENED IN PORCH
• BONUS ROOM
• WOOD BURNING STOVE
• LAUNDRY ROOM
• WELL WATER

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $80k.

Deal economics

• At list price, monthly cash flow is $521 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).
• Recommended offer: $73k (9.0% below list) — sets the bar for market timing.
• Cap rate 14.1% vs local median 2.1% in Whitesburg — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 54/100 on livability (#548 in GA) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: schools C-, crime D-, amenities F.
• Carroll County (rural): math 42% / reading 41% proficiency, ranked #38 of 174 in GA (top 22%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 208 active listings in the ZIP; solid renter incomes; 876 units permitted in Carroll County in 2024 (150 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $553 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Carroll County population projected at +12% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $22k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 114 days — a 9% lower offer ($73k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 5y ago; this cycle's ask has dropped $9k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: moderate wind risk, 26% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $72,799 (9.0% below list)

Questions for the listing agent

1. It's been on market 114 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
5. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
6. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
7. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.70% ✓
• Cap rate: 14.11%
• Cash-on-cash: 27.93%
• DSCR: 2.24
• GRM: 4.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 22.1%
• Equity multiple: 1.90×
• Total profit: $20,265
• Equity at exit: $11,928

10-year hold

• IRR: 30.1%
• Equity multiple: 3.70×
• Total profit: $60,490
• Equity at exit: $6,917

Cash invested: $22,400 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State Georgia: 90 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

Magistrate court evictions in 10-30 days; no rent control; preempted; few tenant protections.

Methodology + full state rankings →

ZIP-level market 30116

• Home prices YoY: -2.6%
• Active inventory: 208
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $1,360 medium
• Mortgage (P&I): −$420
• Tax est. 1.5%: −$100 /mo · $1,200/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$286
• Net cashflow: $521

Break-even live

Break-even rent $700

Max offer price $79,999

Occupancy floor 57%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $20,000
• Closing costs: $2,400
• Reserves months: —
• Total cash needed: —

Listing history 11 events

1. 2026-05-15
   status Under Contract 1034-char remark

   Show marketing remark (1045 chars)

   Great fixer opportunity in Carrollton! Enjoy privacy on your 1.8 acres of land while you make improvements to this home and property. Enter this mobile home through the screened in porch, this home features 2 bedrooms and 1 bathroom, plus a bonus room that has access to the back yard through the back door of the home. A nice sized family room with wood burning stove and the kitchen complete the home. The laundry room is combined with the bathroom. Home is serviced by well water and septic tank. Well pump is in need of repair and the electrical wiring for the pump seems to be the only issue. Workshop room has electricity available. Excellent opportunity to make your own homestead or for your investment profile as a rental home. Home is sold AS IS and the property is AS IS. There is an above ground pool that was not used in the summer of 2025. There are several outbuildings that may have personal effects in them, and these items will convey with the property. Cash purchase or potential for a FHA 203(K) loan.

2. 2026-05-15
   status Pending 1045-char remark

   Show marketing remark (1045 chars)

   Great fixer opportunity in Carrollton! Enjoy privacy on your 1.8 acres of land while you make improvements to this home and property. Enter this mobile home through the screened in porch, this home features 2 bedrooms and 1 bathroom, plus a bonus room that has access to the back yard through the back door of the home. A nice sized family room with wood burning stove and the kitchen complete the home. The laundry room is combined with the bathroom. Home is serviced by well water and septic tank. Well pump is in need of repair and the electrical wiring for the pump seems to be the only issue. Workshop room has electricity available. Excellent opportunity to make your own homestead or for your investment profile as a rental home. Home is sold AS IS and the property is AS IS. There is an above ground pool that was not used in the summer of 2025. There are several outbuildings that may have personal effects in them, and these items will convey with the property. Cash purchase or potential for a FHA 203(K) loan.

3. 2026-03-26
   price $79,999 1045-char remark

   Show marketing remark (1034 chars)

   Great fixer opportunity in Carrollton! Enjoy privacy on your 1.8 acres of land while you make improvements to this home and property. Enter this mobile home through the screened in porch, this home features 2 bedrooms and 1 bathroom, plus a bonus room that has access to the back yard through the back door of the home. A nice sized family room with wood burning stove and the kitchen complete the home. The laundry room is combined with the bathroom. Home is serviced by well water and septic tank. Well pump is in need of repair and the electrical wiring for the pump seems to be the only issue. Workshop room has electricity available. Excellent opportunity to make your own homestead or for your investment profile as a rental home. Home is sold AS IS and the property is AS IS. There is an above ground pool that was not used in the summer of 2025. There are several outbuildings that may have personal effects in them, and these items will convey with the property. Cash purchase or potential for a FHA 203(K) loan.

4. 2026-03-26
   price $79,999 1034-char remark

   Show marketing remark (1034 chars)

   Great fixer opportunity in Carrollton! Enjoy privacy on your 1.8 acres of land while you make improvements to this home and property. Enter this mobile home through the screened in porch, this home features 2 bedrooms and 1 bathroom, plus a bonus room that has access to the back yard through the back door of the home. A nice sized family room with wood burning stove and the kitchen complete the home. The laundry room is combined with the bathroom. Home is serviced by well water and septic tank. Well pump is in need of repair and the electrical wiring for the pump seems to be the only issue. Workshop room has electricity available. Excellent opportunity to make your own homestead or for your investment profile as a rental home. Home is sold AS IS and the property is AS IS. There is an above ground pool that was not used in the summer of 2025. There are several outbuildings that may have personal effects in them, and these items will convey with the property. Cash purchase or potential for a FHA 203(K) loan.

5. 2026-01-20
   listed $89,000 New 1034-char remark

   Show marketing remark (1045 chars)

   Great fixer opportunity in Carrollton! Enjoy privacy on your 1.8 acres of land while you make improvements to this home and property. Enter this mobile home through the screened in porch, this home features 2 bedrooms and 1 bathroom, plus a bonus room that has access to the back yard through the back door of the home. A nice sized family room with wood burning stove and the kitchen complete the home. The laundry room is combined with the bathroom. Home is serviced by well water and septic tank. Well pump is in need of repair and the electrical wiring for the pump seems to be the only issue. Workshop room has electricity available. Excellent opportunity to make your own homestead or for your investment profile as a rental home. Home is sold AS IS and the property is AS IS. There is an above ground pool that was not used in the summer of 2025. There are several outbuildings that may have personal effects in them, and these items will convey with the property. Cash purchase or potential for a FHA 203(K) loan.

6. 2026-01-20
   listed $89,000 Active 1045-char remark

   Show marketing remark (1045 chars)

   Great fixer opportunity in Carrollton! Enjoy privacy on your 1.8 acres of land while you make improvements to this home and property. Enter this mobile home through the screened in porch, this home features 2 bedrooms and 1 bathroom, plus a bonus room that has access to the back yard through the back door of the home. A nice sized family room with wood burning stove and the kitchen complete the home. The laundry room is combined with the bathroom. Home is serviced by well water and septic tank. Well pump is in need of repair and the electrical wiring for the pump seems to be the only issue. Workshop room has electricity available. Excellent opportunity to make your own homestead or for your investment profile as a rental home. Home is sold AS IS and the property is AS IS. There is an above ground pool that was not used in the summer of 2025. There are several outbuildings that may have personal effects in them, and these items will convey with the property. Cash purchase or potential for a FHA 203(K) loan.

7. 2021-09-20
   soldstatus $94,000
8. 2021-09-15
   soldstatus $94,000 Sold
9. 2021-08-07
   status Under Contract
10. 2021-07-31
    price $94,000
11. 2021-06-29
    listed $104,000 New

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 5/10 Major 7 d/yr ≥105°F today · 19 d/yr by 30 yrs out
• 💨 Wind 5/10 Major 26% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,318
• − Mortgage interest: −$4,481
• − Property taxes: −$1,200
• − Insurance: −$400
• − Repairs & maintenance: −$1,305
• − Management: −$1,305
• − Depreciation: −$2,327
• Taxable income: $5,298
• Est. tax owed @ 24.0%: −$1,272
• After-tax cash flow: $4,985/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Carroll County
• NCES district ID: 1300840
• Math proficiency: 42% ▼ -7.00%
• Reading proficiency: 41% ▼ -8.00%
• Median HH income: $48,692
• Composite: 35.62/100
• National rank: #4888
• State rank: #38 of 174 in GA

Livability — Whitesburg

• Score: 54/100
• State rank: #548
• US rank: #24134

Category grades

Amenities F Commute F Cost of living A+ Crime D- Employment D- Housing A+ Health & safety F User ratings F

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Carroll County · 124,888 people
• Metro: Atlanta-Sandy Springs-Alpharetta, GA
• Population (ZIP): 22,189
• Household income: $77,030
• Rent vs Own: 20.9% rent · 79.1% own
• Severe rent burden: 332.0

Population outlook (Carroll County) Hauer SSP2

• Today (2025): 123,370 people
• By 2030: 127,186 · +3.1%
• By 2040: 133,534 · +8.2%
• By 2050: 137,612 · +11.5%
• By 2075: 142,892 · +15.8%
• By 2100: 136,294 · +10.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (68%)
• Race & ethnicity: White 68% Black 16% Hispanic / Latino 11% Two or more races 6%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Slovak 3% Italian 2% Lithuanian 1%
• Foreign-born: 7% · Canada, Jamaica
• Languages at home: 90% English-only · Spanish 9%

Political lean MEDSL · Carroll

• 2024 margin: Solid R (+41.2) · D 29.1% · R 70.3%
• 2008→2024 swing: -8.2pp toward R · 2008: -32.9pp · 2024: -41.2pp
• All cycles: 2024: R+41.2 2020: R+39.0 2016: R+40.1 2012: R+37.7 2008: R+32.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -9.61%
• Current HPI: 365.8744
• Rent YoY: —
• Metro: Atlanta-Sandy Springs-Alpharetta, GA
• State GDP YoY: ▲ 2.66%
• F500 in state: 28

Industry mix (Fortune 500 HQ in GA)

Industry	F500 HQs	Revenue
▸Paper / Packaging	2	$29B
▸Retail	1	$160B
▸Transportation / Logistics	1	$91B
▸Airlines	1	$62B
▸Consumer Goods	1	$47B
▸Utilities	1	$25B

Price history

-23.1% since first listed

11 events — show timeline

• 2026-05-15 Pending — GAMLS
• 2026-05-15 Pending — FMLS
• 2026-03-26 Price Changed $79,999 FMLS
• 2026-03-26 Price Changed $79,999 GAMLS
• 2026-01-20 Listed $89,000 FMLS
• 2026-01-20 Listed $89,000 GAMLS
• 2021-09-20 Sold (Public Records) $94,000 Public Records
• 2021-09-15 Sold (MLS) $94,000 GAMLS
• 2021-08-07 Pending — GAMLS
• 2021-07-31 Price Changed $94,000 GAMLS
• 2021-06-29 Listed $104,000 GAMLS

Property tax history

-11.8%/yr

Latest (2025): $17 · -1.1% YoY. Source: county tax records.