137 Scott LnKingstonTN37763
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 137 Scott Ln, Kingston, TN, 37763 in Kingston at $115,000 earns $879/mo in rent and nets $191/mo after the $517/mo payment, a 9.17% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $31,772 over five years. Ziffy Mortgage underwrites this on a 1.70 DSCR without U.S. credit history. With $1,059/yr in principal paydown, total projected return reaches $55,823.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $191 | $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 | $879 |
| Total Monthly Debt Service | $643 |
| DSCR Ratio | 1.37x |
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 1960
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37763, Kingston, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,563 (100%) |
| Owner Occupied HU | 5,576 (73.7%) |
| Renter Occupied HU | 1,345 (17.8%) |
| Vacant Housing Units | 642 ( 8.5%) |
| Median Home Value | $275,986 |
| Average Home Value | $335,825 |
Housing Distribution
Address Breakdown
Residential
7,127
Single Family
7,083
Multi-Family
44
Businesses
486
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 1960
0.46 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37763, Kingston, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,563 (100%) |
| Owner Occupied HU | 5,576 (73.7%) |
| Renter Occupied HU | 1,345 (17.8%) |
| Vacant Housing Units | 642 ( 8.5%) |
| Median Home Value | $275,986 |
| Average Home Value | $335,825 |
Housing Distribution
Address Breakdown
Residential
7,127
Single Family
7,083
Multi-Family
44
Businesses
486
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices