2037 Settlers Ridge WayGatlinburgTN37738
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderFor first-time U.S. investors or those diversifying conservatively, 2037 Settlers Ridge Way, Gatlinburg, TN, 37738 in Gatlinburg offers a clean, manageable entry. Rental yield 7.29%. DSCR 1.35 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $290,096 in additional property value over five years, with $9,671/yr in principal equity building ownership stake. Total projected cumulative return: $397,425.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $(4) | $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 | $6,377 |
| Total Monthly Debt Service | $5,963 |
| DSCR Ratio | 1.07x |
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 2020
0.52 Acres lot
$N/A/sqft
$95 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37738, Gatlinburg, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,246 (100%) |
| Owner Occupied HU | 1,502 (20.7%) |
| Renter Occupied HU | 706 ( 9.7%) |
| Vacant Housing Units | 5,038 (69.5%) |
| Median Home Value | $382,012 |
| Average Home Value | $448,525 |
Housing Distribution
Address Breakdown
Residential
3,154
Single Family
2,760
Multi-Family
394
Businesses
903
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 2020
0.52 Acres lot
$N/A/sqft
$95 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37738, Gatlinburg, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,246 (100%) |
| Owner Occupied HU | 1,502 (20.7%) |
| Renter Occupied HU | 706 ( 9.7%) |
| Vacant Housing Units | 5,038 (69.5%) |
| Median Home Value | $382,012 |
| Average Home Value | $448,525 |
Housing Distribution
Address Breakdown
Residential
3,154
Single Family
2,760
Multi-Family
394
Businesses
903
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeana Maddux • eXp Realty, LLC 7720
Mls Name: GSMAR, GSMMLS
Mls Provider:
Mls ID: #306417
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