13890 Church StAtwoodTN38220
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.18% yield at 13890 Church St, Atwood, TN, 38220 in Atwood is solid, but the $922/mo payment compresses net cash flow to $171/mo at $205,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $56,638 by year five, and $1,888/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.52) without U.S. income documentation. Total projected return: $88,581.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.2% |
| Monthly Cash Flow | $171 | $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 | $1,398 |
| Total Monthly Debt Service | $1,146 |
| DSCR Ratio | 1.22x |
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 1971
0.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38220, Atwood, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 969 (100%) |
| Owner Occupied HU | 676 (69.8%) |
| Renter Occupied HU | 186 (19.2%) |
| Vacant Housing Units | 107 (11.0%) |
| Median Home Value | $151,136 |
| Average Home Value | $198,584 |
Housing Distribution
Address Breakdown
Residential
713
Single Family
713
Multi-Family
0
Businesses
35
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 1971
0.98 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38220, Atwood, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 969 (100%) |
| Owner Occupied HU | 676 (69.8%) |
| Renter Occupied HU | 186 (19.2%) |
| Vacant Housing Units | 107 (11.0%) |
| Median Home Value | $151,136 |
| Average Home Value | $198,584 |
Housing Distribution
Address Breakdown
Residential
713
Single Family
713
Multi-Family
0
Businesses
35
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Casey Drewry • Casey Drewry Realty
Mls Name: Tennessee Valley MLS
Mls Provider:
Mls ID: #134171
Disclaimer: Copyright Tennessee Valley Association of REALTORS. All rights reserved. Some or all of the listings displayed may not belong to the firm whose website is being visited. Information is deemed reliable but not guaranteed.