163 Larry Isbell DrFingerTN38334
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Finger rental at 163 Larry Isbell Dr, Finger, TN, 38334 sits in the solid-income band: 9.57% gross yield, $3,342/mo rent, $834/mo net after the $1,884/mo debt service, DSCR 1.77. Entry price of $419,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $115,762 and $3,859/yr in principal reduction bring total cumulative return to $212,181.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $834 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,342 |
| Total Monthly Debt Service | $2,341 |
| DSCR Ratio | 1.43x |
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 1991
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38334, Finger, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 889 (100%) |
| Owner Occupied HU | 619 (69.6%) |
| Renter Occupied HU | 148 (16.6%) |
| Vacant Housing Units | 122 (13.7%) |
| Median Home Value | $181,324 |
| Average Home Value | $239,111 |
Housing Distribution
Address Breakdown
Residential
855
Single Family
855
Multi-Family
0
Businesses
34
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 1991
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38334, Finger, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 889 (100%) |
| Owner Occupied HU | 619 (69.6%) |
| Renter Occupied HU | 148 (16.6%) |
| Vacant Housing Units | 122 (13.7%) |
| Median Home Value | $181,324 |
| Average Home Value | $239,111 |
Housing Distribution
Address Breakdown
Residential
855
Single Family
855
Multi-Family
0
Businesses
34
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices