3086 Sandy Flat RdBethel SpringsTN38315
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 3086 Sandy Flat Rd, Bethel Springs, TN, 38315 in Bethel Springs worth study. Rental yield 2.76%. The 2.76% gross yield is below cash-flow benchmarks at $699,000, but 5% annual appreciation, adding $193,121 over five years, frames this as a capital growth position. Rent of $1,608/mo partially offsets the $3,143/mo payment. Ziffy Mortgage finances appreciation-play properties (0.51 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $98,649.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 2.8% | 6.2% |
| Monthly Cash Flow | $(2,576) | $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 | $1,608 |
| Total Monthly Debt Service | $3,906 |
| DSCR Ratio | 0.41x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2022
146.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38315, Bethel Springs, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,788 (100%) |
| Owner Occupied HU | 1,265 (70.7%) |
| Renter Occupied HU | 328 (18.3%) |
| Vacant Housing Units | 195 (10.9%) |
| Median Home Value | $172,054 |
| Average Home Value | $286,613 |
Housing Distribution
Address Breakdown
Residential
1,719
Single Family
1,719
Multi-Family
0
Businesses
46
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 2022
146.73 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38315, Bethel Springs, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,788 (100%) |
| Owner Occupied HU | 1,265 (70.7%) |
| Renter Occupied HU | 328 (18.3%) |
| Vacant Housing Units | 195 (10.9%) |
| Median Home Value | $172,054 |
| Average Home Value | $286,613 |
Housing Distribution
Address Breakdown
Residential
1,719
Single Family
1,719
Multi-Family
0
Businesses
46
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices