204 Windsor LnHarrogateTN37752
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 204 Windsor Ln, Harrogate, TN, 37752 in Harrogate worth modelling. At $205,500 with a 7.86% gross yield, the $1,346/mo rent leaves $116/mo after the $924/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.46 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $56,776 by year five; $1,893/yr in principal reduction adds further equity. Total projected return: $85,217.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $116 | $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 | $1,346 |
| Total Monthly Debt Service | $1,148 |
| 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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37752, Harrogate, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,923 (100%) |
| Owner Occupied HU | 1,826 (62.5%) |
| Renter Occupied HU | 701 (24.0%) |
| Vacant Housing Units | 396 (13.5%) |
| Median Home Value | $193,925 |
| Average Home Value | $269,654 |
Housing Distribution
Address Breakdown
Residential
2,554
Single Family
2,554
Multi-Family
0
Businesses
196
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 N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37752, Harrogate, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,923 (100%) |
| Owner Occupied HU | 1,826 (62.5%) |
| Renter Occupied HU | 701 (24.0%) |
| Vacant Housing Units | 396 (13.5%) |
| Median Home Value | $193,925 |
| Average Home Value | $269,654 |
Housing Distribution
Address Breakdown
Residential
2,554
Single Family
2,554
Multi-Family
0
Businesses
196
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices