358 Camp Brooklyn Rd Unit N/A · Fitzgerald, GA 31750

$49,900

3 bd · 1.5 ba · 976 sqft · SingleFamily · 83 Days on market

Built 1960 Fair condition 1.01 ac lot $51/sqft · 64% below area

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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
• Livability +2.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0
• Schools +1.6/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Enjoy peaceful country living in this charming 3 bed, 2 bath home! Relax on the screened-in front or back porch and listen to the soothing sound of rain on the metal roof-perfect for cozy mornings or quiet evenings. The spacious fenced-in yard is great for pets, play, or gardening and includes a shed and lean-to for extra storage or hobbies. An attached 1-car carport adds convenience. Inside, the living room features a built-in entertainment center, and the kitchen offers plenty of cabinets for all your storage needs. With a little TLC, this home has the potential to shine and become your ideal country retreat.

Key facts

• Shed
• Plenty of cabinets
• Fenced-in yard

Tags

• SCREENED-IN FRONT PORCH
• SCREENED-IN BACK PORCH
• FENCED-IN YARD
• BUILT-IN ENTERTAINMENT CENTER
• PLENTY OF CABINETS
• SHED

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $50k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $422 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($970 rent vs $50k).
• Recommended offer: $47k (6.0% below list) — sets the bar for market timing.
• Cap rate 16.4% vs local median 5.0% in Fitzgerald — 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 55/100 on livability (#513 in GA) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing B+; Watch: health & safety C-, schools F, crime F.
• Ben Hill County (rural): math 19% / reading 22% proficiency, ranked #145 of 174 in GA (top 83%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 72% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 128 active listings in the ZIP; 6 units permitted in Ben Hill County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $345 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• Ben Hill County population projected at -19% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $14k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 83 days — a 6% lower offer ($47k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 97% chance of damaging wind over 30y; major 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 $46,906 (6.0% below list)

Questions for the listing agent

1. It's been on market 83 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1960 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. Crime grade is F 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?
8. 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.
9. 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.
10. 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: 1.94% ✓
• Cap rate: 16.44%
• Cash-on-cash: 36.23%
• DSCR: 2.61
• GRM: 4.3

CMA / ARV

• ARV (median comp): $139,571
• List price: $49,900
• Delta: -64.25%
• Verdict: UNDERPRICED
• Comps: 2 within 2.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 32.0%
• Equity multiple: 2.35×
• Total profit: $18,796
• Equity at exit: $7,440

10-year hold

• IRR: 39.1%
• Equity multiple: 4.65×
• Total profit: $51,023
• Equity at exit: $4,314

Cash invested: $13,972 (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 31750

• Home prices YoY: -8.0%
• Active inventory: 128
• Price-to-rent: 4.3×

Monthly cashflow live

• Estimated rent: $970 medium
• Mortgage (P&I): −$262
• Tax est. 1.5%: −$62 /mo · $748/yr
• Insurance: −$21
• HOA: −$0
• Vacancy / Maint / Mgmt: −$204
• Net cashflow: $422

Break-even live

Break-even rent $437

Max offer price $49,900

Occupancy floor 52%

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: $12,475
• Closing costs: $1,497
• Reserves months: —
• Total cash needed: —

Listing history 16 events

1. 2026-06-17
   status $49,900 Under Contract 83 DOM
2. 2026-06-16
   days on market $49,900 Active 83 DOM
3. 2026-06-15
   days on market $49,900 Active 82 DOM
4. 2026-06-13
   days on market $49,900 Active 80 DOM
5. 2026-06-12
   statusdays on market $49,900 Active 79 DOM
6. 2026-06-09
   days on market $49,900 Price Change 76 DOM
7. 2026-06-09
   pricestatus $49,900 Price Change 75 DOM
8. 2026-06-08
   days on market $67,400 Active 75 DOM
9. 2026-06-07
   days on market $67,400 Active 74 DOM
10. 2026-06-07
    statusdays on market $67,400 Active 73 DOM
11. 2026-06-04
    days on market $67,400 Back On Market 70 DOM
12. 2026-06-02
    days on market $67,400 Back On Market 69 DOM
13. 2026-06-01
    status $67,400 Back On Market 68 DOM
14. 2026-05-31
    days on market $67,400 Active 68 DOM
15. 2026-05-31
    days on market $67,400 Active 67 DOM
16. 2026-03-24
    listed $67,400 New 618-char remark

    Show marketing remark (618 chars)

    Enjoy peaceful country living in this charming 3 bed, 2 bath home! Relax on the screened-in front or back porch and listen to the soothing sound of rain on the metal roof-perfect for cozy mornings or quiet evenings. The spacious fenced-in yard is great for pets, play, or gardening and includes a shed and lean-to for extra storage or hobbies. An attached 1-car carport adds convenience. Inside, the living room features a built-in entertainment center, and the kitchen offers plenty of cabinets for all your storage needs. With a little TLC, this home has the potential to shine and become your ideal country retreat.

ⓘ 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 7/10 Severe
• 🌡 Heat 7/10 Severe 7 d/yr ≥108°F today · 19 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 97% 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: $11,646
• − Mortgage interest: −$2,795
• − Property taxes: −$748
• − Insurance: −$250
• − Repairs & maintenance: −$932
• − Management: −$932
• − Depreciation: −$1,452
• Taxable income: $4,538
• Est. tax owed @ 24.0%: −$1,089
• After-tax cash flow: $3,973/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.

Condition & rehab AI · 13 photos

Fair 45/100 Moderate rehab

This home requires significant repairs and maintenance to improve its condition and value. A metal roof replacement, siding repair, and flooring replacement would significantly enhance its curb appeal and functionality.

Repairs flagged

• Major Metal roof — Significant rust and wear
• Major Siding — Severe peeling and weathering
• Major Wooden flooring — Significant wear and tear
• Major Paint — Faded and uneven appearance
• Major Bathroom tiles — Worn and discolored

Value-add opportunities

• Resale Metal roof replacement — Improves home's curb appeal and functionality
• Resale Siding repair and repainting — Enhances home's exterior appearance
• Resale Flooring replacement — Improves home's interior appearance and functionality
• Resale Painting — Enhances home's interior appearance
• Resale Bathroom renovation — Improves home's functionality and appearance

Renovation cost estimate screening

Repair item	Severity	Est. cost
Metal roof · Significant rust and wear	Major	$15,000–50,000
Siding · Severe peeling and weathering	Major	$15,000–50,000
Wooden flooring · Significant wear and tear	Major	$15,000–50,000
Paint · Faded and uneven appearance	Major	$15,000–50,000
Bathroom tiles · Worn and discolored	Major	$15,000–50,000
Total estimated repair cost · 5 items		$75,000–250,000

Value-add ROI direction

• Resale Metal roof replacement — Improves home's curb appeal and functionality ↑
• Resale Siding repair and repainting — Enhances home's exterior appearance ↑
• Resale Flooring replacement — Improves home's interior appearance and functionality ↑
• Resale Painting — Enhances home's interior appearance ↑
• Resale Bathroom renovation — Improves home's functionality and appearance ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Ben Hill County
• NCES district ID: 1300360
• Math proficiency: 19% ▼ -6.00%
• Reading proficiency: 22% ▼ -2.00%
• Median HH income: $30,617
• Composite: 16.47/100
• National rank: #9186
• State rank: #145 of 174 in GA

Livability — Fitzgerald

• Score: 55/100
• State rank: #513
• US rank: #23277

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 18,582

Population outlook (Ben Hill County) Hauer SSP2

• Today (2025): 16,426 people
• By 2030: 15,788 · -3.9%
• By 2040: 14,582 · -11.2%
• By 2050: 13,351 · -18.7%
• By 2075: 10,301 · -37.3%
• By 2100: 7,652 · -53.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.57)
• Race & ethnicity: White 54% Black 35% Hispanic / Latino 9% Two or more races 2%
• Hispanic origin (detail): Mexican 7%
• Common ancestry: Slovak 1% Italian 1% Lithuanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 91% English-only · Spanish 8% Other Indo-European 1%

Political lean MEDSL · Ben Hill

• 2024 margin: Solid R (+32.0) · D 33.8% · R 65.8%
• 2008→2024 swing: -18.3pp toward R · 2008: -13.7pp · 2024: -32.0pp
• All cycles: 2024: R+32.0 2020: R+26.2 2016: R+27.6 2012: R+14.9 2008: R+13.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -17.36%
• Current HPI: 200.1257
• Rent YoY: —
• Metro: —
• 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

1 event — show timeline

• 2026-03-24 Listed $67,400 GAMLS