225 Highway 91Shady ValleyTN37688
INVESTMENT ANALYSIS
Investment Verdict
Solid Income225 Highway 91, Shady Valley, TN, 37688 in Shady Valley is a solid income-producing rental, 9.77% gross yield, $2,405/mo rent, $636/mo net cash flow on a $295,500 buy. DSCR 1.81 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $81,641 and $2,722/yr in principal reduction project a total cumulative return of $152,726.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.2% |
| Monthly Cash Flow | $636 | $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 | $2,405 |
| Total Monthly Debt Service | $1,651 |
| DSCR Ratio | 1.46x |
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 1955
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37688, Shady Valley, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 591 (100%) |
| Owner Occupied HU | 411 (69.5%) |
| Renter Occupied HU | 61 (10.3%) |
| Vacant Housing Units | 119 (20.1%) |
| Median Home Value | $216,803 |
| Average Home Value | $309,252 |
Housing Distribution
Address Breakdown
Residential
556
Single Family
556
Multi-Family
0
Businesses
21
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 1955
1 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37688, Shady Valley, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 591 (100%) |
| Owner Occupied HU | 411 (69.5%) |
| Renter Occupied HU | 61 (10.3%) |
| Vacant Housing Units | 119 (20.1%) |
| Median Home Value | $216,803 |
| Average Home Value | $309,252 |
Housing Distribution
Address Breakdown
Residential
556
Single Family
556
Multi-Family
0
Businesses
21
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kevin Stafford • Exit Realty Tri-Cities
Mls Name: TVRMLS
Mls ID: #9988755