1064 Cathcart RdDowelltownTN37059
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 2.84% gross rental yield, 1064 Cathcart Rd, Dowelltown, TN, 37059 in Dowelltown is priced for capital growth, not immediate cash flow. The $489,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $135,102 by year five, with $4,504/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.53) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $71,175.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.8% | 6.2% |
| Monthly Cash Flow | $(1,769) | $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 | $1,158 |
| Total Monthly Debt Service | $2,733 |
| DSCR Ratio | 0.42x |
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 2018
89.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37059, Dowelltown, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 819 (100%) |
| Owner Occupied HU | 554 (67.6%) |
| Renter Occupied HU | 177 (21.6%) |
| Vacant Housing Units | 88 (10.7%) |
| Median Home Value | $270,588 |
| Average Home Value | $307,347 |
Housing Distribution
Address Breakdown
Residential
699
Single Family
699
Multi-Family
0
Businesses
27
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 2018
89.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37059, Dowelltown, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 819 (100%) |
| Owner Occupied HU | 554 (67.6%) |
| Renter Occupied HU | 177 (21.6%) |
| Vacant Housing Units | 88 (10.7%) |
| Median Home Value | $270,588 |
| Average Home Value | $307,347 |
Housing Distribution
Address Breakdown
Residential
699
Single Family
699
Multi-Family
0
Businesses
27
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Clint Carroll • Mossy Oak Properties Land Sales , LLC
Mls Name: Greater Chattanooga Realtors
Mls ID: #1515168
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