107 Mountain View CirPiney FlatsTN37686
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 107 Mountain View Cir, Piney Flats, TN, 37686 in Piney Flats is narrow, $102/mo net on $3,095/mo rent after the $2,248/mo debt service, but the property operates at break-even-plus, not a loss. At $499,900 with a 7.43% yield, the long-run equity case via 5% appreciation ($138,113 over five years) and $4,604/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.38 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $195,726.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.2% |
| Monthly Cash Flow | $102 | $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 | $3,095 |
| Total Monthly Debt Service | $2,794 |
| DSCR Ratio | 1.11x |
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 1973
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37686, Piney Flats, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,293 (100%) |
| Owner Occupied HU | 2,969 (69.2%) |
| Renter Occupied HU | 890 (20.7%) |
| Vacant Housing Units | 434 (10.1%) |
| Median Home Value | $341,261 |
| Average Home Value | $382,217 |
Housing Distribution
Address Breakdown
Residential
4,122
Single Family
4,122
Multi-Family
0
Businesses
267
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 1973
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37686, Piney Flats, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,293 (100%) |
| Owner Occupied HU | 2,969 (69.2%) |
| Renter Occupied HU | 890 (20.7%) |
| Vacant Housing Units | 434 (10.1%) |
| Median Home Value | $341,261 |
| Average Home Value | $382,217 |
Housing Distribution
Address Breakdown
Residential
4,122
Single Family
4,122
Multi-Family
0
Businesses
267
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John L. Lee • Crye-Leike Realtors
Mls Name: TVRMLS
Mls ID: #9988104