20315 Highway 114Hollow RockTN38342
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt $179,900, 20315 Highway 114, Hollow Rock, TN, 38342 in Hollow Rock generates $1,175/mo in rent (7.84% yield) but nets only $98/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.45) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $49,703. Total projected return: $74,386.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 6.2% |
| Monthly Cash Flow | $98 | $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 | $1,175 |
| Total Monthly Debt Service | $1,005 |
| DSCR Ratio | 1.17x |
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 1922
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38342, Hollow Rock, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 660 (100%) |
| Owner Occupied HU | 470 (71.2%) |
| Renter Occupied HU | 118 (17.9%) |
| Vacant Housing Units | 72 (10.9%) |
| Median Home Value | $121,341 |
| Average Home Value | $187,968 |
Housing Distribution
Address Breakdown
Residential
611
Single Family
611
Multi-Family
0
Businesses
27
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 1922
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38342, Hollow Rock, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 660 (100%) |
| Owner Occupied HU | 470 (71.2%) |
| Renter Occupied HU | 118 (17.9%) |
| Vacant Housing Units | 72 (10.9%) |
| Median Home Value | $121,341 |
| Average Home Value | $187,968 |
Housing Distribution
Address Breakdown
Residential
611
Single Family
611
Multi-Family
0
Businesses
27
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brenda Stewart • Landmark Realty and Auction
Mls Name: Tennessee Valley MLS
Mls Provider:
Mls ID: #133038
Disclaimer: Copyright Tennessee Valley Association of REALTORS. All rights reserved. Some or all of the listings displayed may not belong to the firm whose website is being visited. Information is deemed reliable but not guaranteed.