2636 Owens DrSanta FeTN38482
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 2636 Owens Dr, Santa Fe, TN, 38482 in Santa Fe deserves attention. This $295,000 property earns $2,640/mo in rent, a 10.74% gross yield, and nets $874/mo after the $1,327/mo payment. DSCR 1.99 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $81,503 compounds alongside $2,717/yr in yearly equity build, for a total cumulative return of $167,802.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.7% | 6.2% |
| Monthly Cash Flow | $874 | $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 | $2,640 |
| Total Monthly Debt Service | $1,649 |
| DSCR Ratio | 1.60x |
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 1977
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38482, Santa Fe, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 807 (100%) |
| Owner Occupied HU | 610 (75.6%) |
| Renter Occupied HU | 130 (16.1%) |
| Vacant Housing Units | 67 ( 8.3%) |
| Median Home Value | $471,053 |
| Average Home Value | $597,102 |
Housing Distribution
Address Breakdown
Residential
824
Single Family
824
Multi-Family
0
Businesses
26
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 1977
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38482, Santa Fe, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 807 (100%) |
| Owner Occupied HU | 610 (75.6%) |
| Renter Occupied HU | 130 (16.1%) |
| Vacant Housing Units | 67 ( 8.3%) |
| Median Home Value | $471,053 |
| Average Home Value | $597,102 |
Housing Distribution
Address Breakdown
Residential
824
Single Family
824
Multi-Family
0
Businesses
26
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices