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© 2026 Veribas Real Estate LLC · (833) 837-4227 · Georgia Broker Lic. H-81905 · Qualifying Broker: Ahsan Charania, GREC #417366. Veribas Real Estate LLC is a licensed Georgia real estate brokerage. We are not a lender or mortgage loan originator; all financing is provided by independent NMLS-licensed lenders, and payment figures on this site are estimates only. Listing information is deemed reliable but not guaranteed and should be independently verified. We are committed to the federal Fair Housing Act and the Equal Credit Opportunity Act.

Offer insights

Choose an offer strength

List price: $295,000

$292K–$294K

70% to 90% chance of a winning offer

Just under asking — competitive when the home is fresh.

Veribas Valuation: $285,000 — asking sits above our value; a moderate offer is defensible with comps.

Balanced-market odds from list price and typical winning offers — your agent tunes this to the street. Ask a Veribas agent before you commit a number.

Fix & flip numbers

Renovated homes like this one sold for about $371,962 nearby: the median price per square foot of 4 renovated sales within 2 miles in the last 18 months. Change any number to run your own deal.

Rehab scope

Kitchen, baths, floors, paint, some systems

Purchase price70% rule max: $175,683After-repair valueRehab budget$45/sqftMonths held

After-repair value$371,962

Purchase price−$295,000

Rehab−$84,690

Buying costs (2%)−$5,900

Holding, 6 mo (loan, taxes, insurance, utilities)−$22,781

Selling costs (8% of ARV)−$29,757

Estimated profit−$66,166

$408,371 all-in · -16% return on cost

Walk it with an agent More fix-and-flip homes →

Investor figures are automated estimates, not an appraisal or an offer of financing. The after-repair value is the median price per square foot of renovated homes that sold nearby in the last 18 months, applied to this home’s size; rehab and holding costs are typical budgets, not a contractor’s bid. Walk the home with a contractor and confirm the comps with your agent before you offer.

Payment calculator

$2,094/mo

Principal, interest & taxes · $2,180/mo with home insurance

Principal & interest$1,799

Property taxes$295

Home insurance$86

Down payment$29,500 (10%)

Interest rate7.180%

Starts at today’s national average for a 30-year fixed, 7.18% (week of Nov 5). Not an APR or a loan offer. Estimates only — taxes at 1.2%/yr and insurance at 0.35%/yr of price. Get exact terms from a lender via pre-qualification.

Assumable loan?

If the seller has an FHA, VA or USDA mortgage, you may be able to take it over and keep their rate, often far below today’s. This listing doesn’t say. Ask, and a Veribas agent will check the seller’s loan and tell you the rate, the balance and what you’d need down.

Down payment assistance

Middle-income census tract 13103030306 · Effingham County · FFIEC 2026

Georgia Dream down payment assistance

Up to $10,000 or 5% of the price · Deferred loan (0% — repaid on sale, refinance or payoff)

For down payment. First-time buyers only. 640+ credit score. Ends Dec 31, 2026.

The State of Georgia's program (Georgia DCA), offered through Southeast Mortgage. A 0% second mortgage with no monthly payment covers 5% of the price up to $10,000 (6% up to $12,500 for nurses, educators, public protectors and households with a disabled member); repaid when you sell, refinance or move out. First-time buyers (no home in 3 years; waived in targeted areas and for veterans), household income and price limits by county, 640+ credit, $1,000 of your own money, homebuyer education. Source: dca.georgia.gov and southeastmortgage.com/uga (checked 2026-09-24).