31 White Oak RdStewartTN37175
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt $314,900, 31 White Oak Rd, Stewart, TN, 37175 in Stewart generates $1,981/mo in rent (7.55% yield) but nets only $96/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.40) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $87,001. Total projected return: $125,329.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.2% |
| Monthly Cash Flow | $96 | $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 | $1,981 |
| Total Monthly Debt Service | $1,760 |
| DSCR Ratio | 1.13x |
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 2001
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37175, Stewart, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 842 (100%) |
| Owner Occupied HU | 396 (47.0%) |
| Renter Occupied HU | 80 ( 9.5%) |
| Vacant Housing Units | 366 (43.5%) |
| Median Home Value | $207,018 |
| Average Home Value | $301,471 |
Housing Distribution
Address Breakdown
Residential
523
Single Family
523
Multi-Family
0
Businesses
6
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 2001
0.50 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37175, Stewart, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 842 (100%) |
| Owner Occupied HU | 396 (47.0%) |
| Renter Occupied HU | 80 ( 9.5%) |
| Vacant Housing Units | 366 (43.5%) |
| Median Home Value | $207,018 |
| Average Home Value | $301,471 |
Housing Distribution
Address Breakdown
Residential
523
Single Family
523
Multi-Family
0
Businesses
6
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices