105 Shadows Lawn DrAthensTN37303
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 105 Shadows Lawn Dr, Athens, TN, 37303 in Athens the bet is firmly on appreciation. Rental yield 5.28%. The 5.28% gross yield on a $434,900 price is below income-first thresholds, but 5%/yr value growth projects $120,155 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.98) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $119,626.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 6.2% |
| Monthly Cash Flow | $(698) | $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 | $1,914 |
| Total Monthly Debt Service | $2,439 |
| DSCR Ratio | 0.78x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2008
0.60 Acres lot
$N/A/sqft
$100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37303, Athens, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,250 (100%) |
| Owner Occupied HU | 7,550 (61.6%) |
| Renter Occupied HU | 3,547 (29.0%) |
| Vacant Housing Units | 1,153 ( 9.4%) |
| Median Home Value | $270,383 |
| Average Home Value | $305,103 |
Housing Distribution
Address Breakdown
Residential
11,687
Single Family
11,132
Multi-Family
555
Businesses
871
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 2008
0.60 Acres lot
$N/A/sqft
$100 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37303, Athens, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,250 (100%) |
| Owner Occupied HU | 7,550 (61.6%) |
| Renter Occupied HU | 3,547 (29.0%) |
| Vacant Housing Units | 1,153 ( 9.4%) |
| Median Home Value | $270,383 |
| Average Home Value | $305,103 |
Housing Distribution
Address Breakdown
Residential
11,687
Single Family
11,132
Multi-Family
555
Businesses
871
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lorie Colloms • Century 21 Legacy
Mls Name: RCAR
Mls Provider:
Mls ID: #20251136
Disclaimer: The data relating to real estate for sale on this web site comes in part from the IDX Program of the River Counties Multiple Listing Service, Inc. Copyright 2025. All rights reserved Data is updated as of 2025-03-17 07:44:56 PDT. Some properties, which appear for sale on this web site, may subsequently have sold and may no longer be available. The Real Estate Broker providing this data believes it to be correct, but advised interested parties to confirm the data before relying on it in a purchase decision. Some or all of the listings displayed may not belong to the firm whose website is being visited The information provided is for the consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.