122 Kathryn CtColumbiaTN38401
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 122 Kathryn Ct, Columbia, TN, 38401 in Columbia speaks for itself: 11.32% gross on a $229,000 price, generating $2,160/mo in rent and $789/mo in net income after the $1,030/mo debt service. DSCR 2.10, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $9,470 stacks alongside $63,268 in projected five-year appreciation and $2,109/yr in principal reduction. Projected total cumulative return: $137,466.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 6.0% |
| Monthly Cash Flow | $789 | $300 |
City averages based on Columbia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,160 |
| Total Monthly Debt Service | $1,280 |
| DSCR Ratio | 1.69x |
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.
Townhouse
Built in 2006
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38401, Columbia, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 30,552 (100%) |
| Owner Occupied HU | 19,842 (64.9%) |
| Renter Occupied HU | 8,481 (27.8%) |
| Vacant Housing Units | 2,229 ( 7.3%) |
| Median Home Value | $383,591 |
| Average Home Value | $440,270 |
Housing Distribution
Address Breakdown
Residential
28,684
Single Family
26,673
Multi-Family
2,011
Businesses
1,855
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
Townhouse
Built in 2006
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38401, Columbia, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 30,552 (100%) |
| Owner Occupied HU | 19,842 (64.9%) |
| Renter Occupied HU | 8,481 (27.8%) |
| Vacant Housing Units | 2,229 ( 7.3%) |
| Median Home Value | $383,591 |
| Average Home Value | $440,270 |
Housing Distribution
Address Breakdown
Residential
28,684
Single Family
26,673
Multi-Family
2,011
Businesses
1,855
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices