10 Smith DrGrand JunctionTN38039
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 10 Smith Dr, Grand Junction, TN, 38039 in Grand Junction is listed at $165,000 and delivers $1,268/mo in rent and $280/mo in net monthly cash flow. The 9.22% yield and 1.71 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $45,586 over five years, and $1,520/yr in principal reduction supplements cash return. Total projected cumulative return: $80,450.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $280 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,268 |
| Total Monthly Debt Service | $922 |
| DSCR Ratio | 1.38x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1992
1.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38039, Grand Junction, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 759 (100%) |
| Owner Occupied HU | 540 (71.1%) |
| Renter Occupied HU | 122 (16.1%) |
| Vacant Housing Units | 97 (12.8%) |
| Median Home Value | $150,000 |
| Average Home Value | $221,014 |
Housing Distribution
Address Breakdown
Residential
600
Single Family
600
Multi-Family
0
Businesses
54
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1992
1.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38039, Grand Junction, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 759 (100%) |
| Owner Occupied HU | 540 (71.1%) |
| Renter Occupied HU | 122 (16.1%) |
| Vacant Housing Units | 97 (12.8%) |
| Median Home Value | $150,000 |
| Average Home Value | $221,014 |
Housing Distribution
Address Breakdown
Residential
600
Single Family
600
Multi-Family
0
Businesses
54
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Myra B Sheddan • Marx-Bensdorf, REALTORS
Mls Name: MAAR
Mls ID: #10204248