139 S Main StCalhounTN37309
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 139 S Main St, Calhoun, TN, 37309 in Calhoun is a conservative rental investment at $235,100. Rental yield 6.66%. A 1.23 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $64,954; $2,165/yr in principal paydown supplements. Total projected return: $82,337.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 6.2% |
| Monthly Cash Flow | $(103) | $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 | $1,304 |
| Total Monthly Debt Service | $1,314 |
| DSCR Ratio | 0.99x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1905
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37309, Calhoun, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,047 (100%) |
| Owner Occupied HU | 781 (74.6%) |
| Renter Occupied HU | 137 (13.1%) |
| Vacant Housing Units | 129 (12.3%) |
| Median Home Value | $268,074 |
| Average Home Value | $302,654 |
Housing Distribution
Address Breakdown
Residential
870
Single Family
832
Multi-Family
38
Businesses
44
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 1905
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37309, Calhoun, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,047 (100%) |
| Owner Occupied HU | 781 (74.6%) |
| Renter Occupied HU | 137 (13.1%) |
| Vacant Housing Units | 129 (12.3%) |
| Median Home Value | $268,074 |
| Average Home Value | $302,654 |
Housing Distribution
Address Breakdown
Residential
870
Single Family
832
Multi-Family
38
Businesses
44
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices