$1,875,000
Investment Summary
- Monthly Cash Flow
- -$6,991
- Cap Rate
- 1.7%
- Cash-on-Cash Return
- -19.5%
- Debt Coverage Ratio
- 0.27
- Internal Rate of Return (5 years)
- -14.8%
Cash Flow
Net Operating Income (NOI) minus mortgage payments.
Calculation:
NOI - Mortgage Payments
Cap Rate (Market Value)
Capitalization Rate is a rate of return that compares the yearly Net Operating Income (NOI) to the market value.
Calculation:
NOI / Market Value
Cash-on-Cash Return (CoC)
Annual Cash Flow / Cash Invested
Calculation:
Annual cash flow divided by initial cash invested.
Debt Coverage Ratio (DCR)
Net Operating Income (NOI) divided by total debt payments.
Calculation:
NOI / Total Debt Payments
Internal Rate of Return (IRR)
A metric for assessing profitability over time. IRR is the discount rate at which the net present value (NPV) of all future cash flows (positive and negative) from an investment equals zero — including both periodic cash flow (such as rent) and a projected sale at the end of the holding period. It represents the expected annualized return, accounting for income, expenses, and the recovery of capital through a future sale.
Property Description
Exquisite Chattahoochee Riverfront Estate in Sentinel Ferry! Welcome to this rare and elegant riverfront retreat in the prestigious gated swim and tennis community of Sentinel Ferry. Perfectly situated on a level lot with sweeping views of the Chattahoochee River, this custom-built home offers a seamless blend of luxury, comfort, and natural beauty-all in one of Sandy Springs' most desirable locations. Step inside to a dramatic two-story foyer that sets the tone for the home's refined interiors. A richly paneled study with built-in bookcases and a fireplace provides the perfect space for a private office or library. Opposite, the banquet-sized dining room impresses with elegant wainscoting and a tray ceiling, ready to host gatherings both large and intimate. The light-filled two-story great room features soaring Palladian windows that frame breathtaking river views, complemented by custom built-ins and a stately fireplace. Just off the great room, a covered deck offers a peaceful perch overlooking the lush, private backyard and the tranquil waters beyond-ideal for morning coffee or evening entertaining. The heart of the home is a chef's dream kitchen, beautifully outfitted with painted cabinetry, quartz countertops, a stylish tile backsplash, and a large center island with breakfast bar seating. High-end stainless steel appliances include a Wolf gas cooktop and double ovens, while a coffee bar with beverage cooler and a walk-in pantry add thoughtful convenience. The kitchen flows effortlessly into the sunny breakfast room and a beamed family room with a cozy stone fireplace-perfect for relaxed everyday living. Also on the main level are two powder rooms, including one located within the spacious laundry room-offering both functionality and convenience for daily living and entertaining. The main-level owner's suite is a luxurious sanctuary, featuring a tray ceiling, a sitting area with a double-sided fireplace, and large windows that invite in natural light. The spa-like bath includes a double vanity, a glass-enclosed shower, soaking tub, and his-and-hers walk-in closets with custom closet systems for ultimate organization. Upstairs, four spacious secondary bedrooms provide flexible space for family and guests. Two bedrooms feature private en-suite baths, while the remaining two share a well-appointed Jack-and-Jill bath. Each room offers generous closet space and natural light. A large bonus room, accessible via a separate rear staircase, makes an ideal playroom, media space, or teen retreat. There's also a walk-in attic for additional storage. The fully finished daylight terrace level opens up a world of possibility. Designed for entertaining, it includes a media room, wine cellar, and a game room with a full bar. A private guest bedroom and full bath make it perfect for visitors or multigenerational living. An exercise room and a flexible-use room-ideal for a home office, craft room, or additional bedroom-round out this incredibly versatile space. Step outside to a covered patio and enjoy seamless access to the backyard and riverfront beyond. This home is freshly painted, with hardwood floors on the main level, new flooring on the terrace level, high ceilings, detailed millwork, and designer finishes throughout-every detail has been thoughtfully curated to offer both beauty and function. Located in the heart of Sandy Springs, you're just minutes from top-rated public and private schools, Dunwoody Country Club and Golf Course, parks, trails, and vibrant shopping and dining districts. With easy access to major interstates, this is a location that keeps you connected to everything Atlanta has to offer while allowing you to retreat to your own private riverside sanctuary.
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Location
Property Details
Parking
- Details: Attached, Garage, Garage Door Opener, Kitchen Level
- Garage Spaces: 0
- Spaces Total: 0
Bedroom Information
- # of Bedrooms: 6
Bathroom Information
- # of Baths (Full): 5
- # of Baths (Partial): 1
- # of Baths (Total): 0.0
Interior Features
- # of Rooms: 11
- # of Stories: 2
- Basement: Yes
- Basement Description: Full
- Fireplace: Yes
Exterior Features
- Exterior Walls Materials: Masonry
- Roof Material: Composition
HOA
- Has HOA: Yes
- HOA Fee: $3,024/annually
Land Information
- Land Use: Residential
- Land Use Subtype: Single Family Residential
Lot Information
- Parcel ID: 060344LL0532
- Lot Size: 0 sqft
Property Information
- Property Type: Single Family Residence
- Style: Traditional
- Year Built: 1997
Tax Information
- Annual Tax: $11,978
Utilities
- Water & Sewer: Public
- Heating: Central, Forced Air, Natural Gas, Zoned
- Cooling: Zoned, Ceiling Fan(s), Central Air
Location
- County: Fulton
Investment Summary
- Monthly Cash Flow
- -$6,991
- Cap Rate
- 1.7%
- Cash-on-Cash Return
- -19.5%
- Debt Coverage Ratio
- 0.27
- Internal Rate of Return (5 years)
- -14.8%
Cash Flow
Net Operating Income (NOI) minus mortgage payments.
Calculation:
NOI - Mortgage Payments
Cap Rate (Market Value)
Capitalization Rate is a rate of return that compares the yearly Net Operating Income (NOI) to the market value.
Calculation:
NOI / Market Value
Cash-on-Cash Return (CoC)
Annual Cash Flow / Cash Invested
Calculation:
Annual cash flow divided by initial cash invested.
Debt Coverage Ratio (DCR)
Net Operating Income (NOI) divided by total debt payments.
Calculation:
NOI / Total Debt Payments
Internal Rate of Return (IRR)
A metric for assessing profitability over time. IRR is the discount rate at which the net present value (NPV) of all future cash flows (positive and negative) from an investment equals zero — including both periodic cash flow (such as rent) and a projected sale at the end of the holding period. It represents the expected annualized return, accounting for income, expenses, and the recovery of capital through a future sale.
Purchase Details
Purchase PriceThe price paid for the property. Purchase price:
| $1,875,000 |
|---|---|
Amount FinancedThe amount of the purchase financed through a loan. Amount financed:
| -$1,500,000 |
Down paymentThe initial payment made towards the purchase. Down payment:
| $375,000 |
Closing CostsFees and expenses associated with purchasing a property, typically ranging from 2% to 5% of the home’s purchase price, paid at the end of a home purchase to cover services like lending, title transfer, and taxes. Closing costs:
| $56,250 |
Rehab CostsCosts incurred to repair or improve the property, including: roof, flooring, exterior siding, kitchen, exterior paint, bathrooms, etc. Rehab costs:
| $0 |
Initial Cash InvestedThe total initial cash invested in the property. Calculation:Down payment + Buying costs + Rehab costs Initial cash invested:
| $431,250 |
Square Feet (SQFT)The total square footage of the property. Square feet:
| 8,194 |
Cost Per Square FootCost per square foot of the property. Calculation:Purchase Price / Square Feet Cost per square foot:
| $229 |
Monthly Rent Per Square FootMonthly rent divided by the number of square feet. This ratio helps investors compare rental income efficiency across properties, markets, and unit sizes Calculation:Monthly Rent / Square Feet Monthly rent per square foot:
| $0.68 |
Financing Details
Loan AmountThe total sum of money borrowed from a lender to finance a property purchase. Calculation:Purchase Price - Down Payment
Loan amount:
| $1,500,000 |
|---|---|
Loan to Value Ratio (LTV)Loan amount divided by the market value of the property. Calculation:Loan Amount / Market Value
Loan to value ratio:
| 80.0% |
Loan TypeThe type of loan (e.g., fixed, adjustable).
Loan type:
| Amortizing |
TermThe loan repayment period in years.
Term:
| 30 years |
Interest RateThe percentage a lender charges on the borrowed amount of a loan, determining the cost of borrowing money.
Interest rate:
| 6.625% |
Principal & Interest (PI)The principal is the portion of the loan payment that reduces the loan balance. The interest is the lender's charge for borrowing money. Calculation:(P * r * (1 + r) ** n) / ((1 + r) ** n - 1) Where:
P = Loan amount (principal)
Principal & interest:
| $9,605 |
Property TaxesAnnual taxes levied by local governments on real estate properties. These taxes fund public services like schools, roads, and emergency services.
Property tax:
| $998 |
InsuranceThe costs for insurance coverage to protect against financial losses due to risks like fire, natural disasters, theft, liability, or tenant-related damages. Calculation:Assumes 7% of gross rental income, unless insurance rates are specified.
Insurance:
| $392 |
Private Mortgage Insurance (PMI)A fee that borrowers pay when they take out a conventional loan with a loan-to-value (LTV) ratio above 80%.
Private mortgage insurance (PMI):
| $0 |
Monthly PaymentThe fixed amount a borrower pays each month to repay a loan. It typically includes principal and interest (P&I) and may also cover property taxes, insurance, HOA fees, and PMI if escrowed. Monthly payment:
| $10,995 |
Operating Income
| % Rent | Monthly | Yearly | |
|---|---|---|---|
Gross RentThe total rental income received from tenants before deducting any expenses. Includes base rent, late fees, pet fees, parking fees, and other recurring charges.
Gross rent:
| $5,600 | $67,200 | |
Vacancy LossExpected loss of rent due to vacancies.
Vacancy loss:
(6%)
| 6% | -$336 | -$4,032 |
Operating IncomeGross rental income minus vacancy loss. Calculation:Gross rent - Vacancy loss
Operating income:
| $5,264 | $63,168 |
Operating Expenses
| % Rent | Monthly | Yearly | |
|---|---|---|---|
Property TaxesAnnual taxes levied by local governments on real estate properties. These taxes fund public services like schools, roads, and emergency services. | 18% | -$998 | -$11,978 |
InsuranceThe costs for insurance coverage to protect against financial losses due to risks like fire, natural disasters, theft, liability, or tenant-related damages. Calculation:Assumes 7% of gross rental income, unless insurance rates are specified. | 7% | -$392 | -$4,704 |
Property ManagementThe costs associated with hiring a property manager to handle the day-to-day operations of a rental property. Includes management fees, leasing fes, eviction fees, etc. Calculation:Assumes 8% of gross rental income. | 8% | -$448 | -$5,376 |
Repairs & MaintenanceOngoing costs for routine upkeep and minor fixes needed to keep a property in good working condition. Calculation:Assumes 5% of gross rental income. Varies by property age and condition. | 5% | -$280 | -$3,360 |
Capital ExpensesLarge, infrequent costs for major improvements or replacements, like a new roof, HVAC system, or appliances. Calculation:Assumes 5% of gross rental income. Varies by property age. | 5% | -$280 | -$3,360 |
HOA FeesRegular dues paid to a Homeowners Association for community maintenance, amenities, and management. Similar fees include: Condo Association Fees, Co-op Maintenance Fees, etc. | 5% | -$252 | -$3,024 |
Operating ExpensesRecurring costs required to maintain and manage a rental property, including property taxes, insurance, maintenance, repairs, utilities (if paid by the owner), property management fees, and other day-to-day expenses. Calculation:Insurance + Property Taxes + Property Management + Repairs & Maintenance + Capital Expenditures + HOA Fees | 47% | -$2,650 | -$31,802 |
Cash Flow
| Monthly | Yearly | |
|---|---|---|
Net Operating Income (NOI)The income generated from a property after deducting all operating expenses but before deducting mortgage payments, taxes, and capital expenditures. Calculation:Gross Operating Income - Operating Expenses
Net operating income:
| $2,614 | $31,368 |
Mortgage PaymentThe fixed amount a borrower pays each month to repay a loan. It typically includes principal and interest (P&I) and may also cover property taxes, insurance, HOA fees, and PMI if escrowed. | -$9,605 | -$115,260 |
Cash FlowNet Operating Income (NOI) minus mortgage payments. Calculation:NOI - Mortgage Payments | $6,991 | $83,892 |