3203 Gravity DrColumbiaTN38401
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 3203 Gravity Dr, Columbia, TN, 38401 in Columbia: $4,457/mo in rent, $1,022/mo in net income, 9.32% gross yield, 1.73 DSCR, all at $573,798. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $158,530 in appreciation and $5,285/yr in principal paydown projects total cumulative return of $282,872.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.0% |
| Monthly Cash Flow | $1,022 | $300 |
City averages based on Columbia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,457 |
| Total Monthly Debt Service | $3,207 |
| DSCR Ratio | 1.39x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38401, Columbia, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 30,552 (100%) |
| Owner Occupied HU | 19,842 (64.9%) |
| Renter Occupied HU | 8,481 (27.8%) |
| Vacant Housing Units | 2,229 ( 7.3%) |
| Median Home Value | $383,591 |
| Average Home Value | $440,270 |
Housing Distribution
Address Breakdown
Residential
28,684
Single Family
26,673
Multi-Family
2,011
Businesses
1,855
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38401, Columbia, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 30,552 (100%) |
| Owner Occupied HU | 19,842 (64.9%) |
| Renter Occupied HU | 8,481 (27.8%) |
| Vacant Housing Units | 2,229 ( 7.3%) |
| Median Home Value | $383,591 |
| Average Home Value | $440,270 |
Housing Distribution
Address Breakdown
Residential
28,684
Single Family
26,673
Multi-Family
2,011
Businesses
1,855
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
