1320 River DrCelinaTN38551
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 1320 River Dr, Celina, TN, 38551 in Celina earns a 8.26% gross yield at $234,900. Rent of $1,616/mo nets $210/mo after the $1,056/mo mortgage. The 1.53 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $64,899 and $2,163/yr in equity accumulation project a total cumulative return of $102,407.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $210 | $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 | $1,616 |
| Total Monthly Debt Service | $1,313 |
| DSCR Ratio | 1.23x |
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 1962
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38551, Celina, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,290 (100%) |
| Owner Occupied HU | 1,374 (60.0%) |
| Renter Occupied HU | 477 (20.8%) |
| Vacant Housing Units | 439 (19.2%) |
| Median Home Value | $180,859 |
| Average Home Value | $278,894 |
Housing Distribution
Address Breakdown
Residential
1,856
Single Family
1,801
Multi-Family
55
Businesses
161
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 1962
0.47 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38551, Celina, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,290 (100%) |
| Owner Occupied HU | 1,374 (60.0%) |
| Renter Occupied HU | 477 (20.8%) |
| Vacant Housing Units | 439 (19.2%) |
| Median Home Value | $180,859 |
| Average Home Value | $278,894 |
Housing Distribution
Address Breakdown
Residential
1,856
Single Family
1,801
Multi-Family
55
Businesses
161
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bridget Salazar • The Realty Firm
Mls Name: UCMLS
Mls Provider:
Mls ID: #236068
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