128 Gravely RdKingsportTN37665
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 128 Gravely Rd, Kingsport, TN, 37665 in Kingsport at $245,000 earns $1,636/mo in rent and nets $169/mo after the $1,102/mo payment, a 8.01% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $67,689 over five years. Ziffy Mortgage underwrites this on a 1.48 DSCR without U.S. credit history. With $2,256/yr in principal paydown, total projected return reaches $103,588.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.0% |
| Monthly Cash Flow | $169 | $1,200 |
City averages based on Kingsport market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,636 |
| Total Monthly Debt Service | $1,369 |
| DSCR Ratio | 1.19x |
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 1938
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37665, Kingsport, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,381 (100%) |
| Owner Occupied HU | 1,376 (57.8%) |
| Renter Occupied HU | 729 (30.6%) |
| Vacant Housing Units | 276 (11.6%) |
| Median Home Value | $140,805 |
| Average Home Value | $186,842 |
Housing Distribution
Address Breakdown
Residential
2,438
Single Family
2,403
Multi-Family
35
Businesses
79
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 1938
0.25 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37665, Kingsport, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,381 (100%) |
| Owner Occupied HU | 1,376 (57.8%) |
| Renter Occupied HU | 729 (30.6%) |
| Vacant Housing Units | 276 (11.6%) |
| Median Home Value | $140,805 |
| Average Home Value | $186,842 |
Housing Distribution
Address Breakdown
Residential
2,438
Single Family
2,403
Multi-Family
35
Businesses
79
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices