"Real Housewives of Atlanta" star Phaedra Parks is way better with money than convicted hubby Apollo Nida ... she raked in major dough selling one of her Georgia homes.  

Sources close to Phaedra tell TMZ she scored over $27K in profit when she sold her 9,148 sq-ft home last fall -- a huge financial boost when you consider Apollo had just started his 8-year prison stretch for money laundering and check fraud. 

She originally snagged the 5 bedroom/5 bath property for $322K on her own back in 2001, and let it go last October for $349K. Great timing for some extra scratch -- Parks dropped strong hints last month she's going to divorce Nida.

"All the women who independent, throw your hands up at me!"