1988 Winona RdHuntsvilleTN37756
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play1988 Winona Rd, Huntsville, TN, 37756 in Huntsville is priced for appreciation, not yield. Rental yield 4.84%. At $549,900 with a 4.84% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $151,927 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.90) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $139,053.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 6.2% |
| Monthly Cash Flow | $(1,072) | $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 | $2,220 |
| Total Monthly Debt Service | $3,073 |
| DSCR Ratio | 0.72x |
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 2019
1.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37756, Huntsville, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,195 (100%) |
| Owner Occupied HU | 816 (68.3%) |
| Renter Occupied HU | 277 (23.2%) |
| Vacant Housing Units | 102 ( 8.5%) |
| Median Home Value | $115,691 |
| Average Home Value | $267,322 |
Housing Distribution
Address Breakdown
Residential
1,229
Single Family
1,229
Multi-Family
0
Businesses
147
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 2019
1.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37756, Huntsville, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,195 (100%) |
| Owner Occupied HU | 816 (68.3%) |
| Renter Occupied HU | 277 (23.2%) |
| Vacant Housing Units | 102 ( 8.5%) |
| Median Home Value | $115,691 |
| Average Home Value | $267,322 |
Housing Distribution
Address Breakdown
Residential
1,229
Single Family
1,229
Multi-Family
0
Businesses
147
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Missy Sanders • Stephenson Realty & Auction
Mls Name: East Tennessee Realtors
Mls ID: #1329132