109 Niagara LnOak RidgeTN37830
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow109 Niagara Ln, Oak Ridge, TN, 37830 in Oak Ridge is a top-tier cash-flow asset. At $175,000 it produces $1,751/mo in rent and $703/mo in net monthly income, a 12.01% gross rental yield. The DSCR of 2.11 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $8,441. Five-year appreciation adds $48,349, driving a total cumulative return of $108,143.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12% | 6.2% |
| Monthly Cash Flow | $703 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,751 |
| Total Monthly Debt Service | $1,021 |
| DSCR Ratio | 1.72x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Multi Family
Built in 1948
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37830, Oak Ridge, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,965 (100%) |
| Owner Occupied HU | 9,391 (58.8%) |
| Renter Occupied HU | 5,222 (32.7%) |
| Vacant Housing Units | 1,352 ( 8.5%) |
| Median Home Value | $278,924 |
| Average Home Value | $301,190 |
Housing Distribution
Address Breakdown
Residential
15,573
Single Family
14,382
Multi-Family
1,191
Businesses
1,115
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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
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