151 County Road 177AthensTN37303
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 151 County Road 177, Athens, TN, 37303 in Athens is narrow, $194/mo net on $1,914/mo rent after the $1,292/mo debt service, but the property operates at break-even-plus, not a loss. At $287,400 with a 7.99% yield, the long-run equity case via 5% appreciation ($79,403 over five years) and $2,647/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.48 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $121,231.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.2% |
| Monthly Cash Flow | $194 | $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 | $1,914 |
| Total Monthly Debt Service | $1,606 |
| 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 1958
0.67 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37303, Athens, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,250 (100%) |
| Owner Occupied HU | 7,550 (61.6%) |
| Renter Occupied HU | 3,547 (29.0%) |
| Vacant Housing Units | 1,153 ( 9.4%) |
| Median Home Value | $270,383 |
| Average Home Value | $305,103 |
Housing Distribution
Address Breakdown
Residential
11,687
Single Family
11,132
Multi-Family
555
Businesses
871
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 1958
0.67 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37303, Athens, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,250 (100%) |
| Owner Occupied HU | 7,550 (61.6%) |
| Renter Occupied HU | 3,547 (29.0%) |
| Vacant Housing Units | 1,153 ( 9.4%) |
| Median Home Value | $270,383 |
| Average Home Value | $305,103 |
Housing Distribution
Address Breakdown
Residential
11,687
Single Family
11,132
Multi-Family
555
Businesses
871
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices