158 McRae StCamdenTN38320
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 158 McRae St, Camden, TN, 38320 in Camden speaks for itself: 14.7% gross on a $190,000 price, generating $2,328/mo in rent and $1,191/mo in net income after the $854/mo debt service. DSCR 2.73, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $14,287 stacks alongside $52,494 in projected five-year appreciation and $1,750/yr in principal reduction. Projected total cumulative return: $148,527.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 14.7% | 6.2% |
| Monthly Cash Flow | $1,191 | $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 | $2,328 |
| Total Monthly Debt Service | $1,062 |
| DSCR Ratio | 2.19x |
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 1960
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38320, Camden, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,193 (100%) |
| Owner Occupied HU | 3,246 (62.5%) |
| Renter Occupied HU | 1,148 (22.1%) |
| Vacant Housing Units | 799 (15.4%) |
| Median Home Value | $161,605 |
| Average Home Value | $236,245 |
Housing Distribution
Address Breakdown
Residential
4,852
Single Family
4,775
Multi-Family
77
Businesses
477
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
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38320, Camden, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,193 (100%) |
| Owner Occupied HU | 3,246 (62.5%) |
| Renter Occupied HU | 1,148 (22.1%) |
| Vacant Housing Units | 799 (15.4%) |
| Median Home Value | $161,605 |
| Average Home Value | $236,245 |
Housing Distribution
Address Breakdown
Residential
4,852
Single Family
4,775
Multi-Family
77
Businesses
477
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices