321 E Main StWhitevilleTN38075
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 321 E Main St, Whiteville, TN, 38075 in Whiteville speaks for itself: 10.24% gross on a $199,000 price, generating $1,698/mo in rent and $507/mo in net income after the $895/mo debt service. DSCR 1.90, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $6,081 stacks alongside $54,980 in projected five-year appreciation and $1,833/yr in principal reduction. Projected total cumulative return: $107,886.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 6.2% |
| Monthly Cash Flow | $507 | $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 | $1,698 |
| Total Monthly Debt Service | $1,112 |
| DSCR Ratio | 1.53x |
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 1962
0.68 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38075, Whiteville, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,517 (100%) |
| Owner Occupied HU | 943 (62.2%) |
| Renter Occupied HU | 353 (23.3%) |
| Vacant Housing Units | 221 (14.6%) |
| Median Home Value | $121,985 |
| Average Home Value | $200,820 |
Housing Distribution
Address Breakdown
Residential
1,263
Single Family
1,247
Multi-Family
16
Businesses
74
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 1962
0.68 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38075, Whiteville, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,517 (100%) |
| Owner Occupied HU | 943 (62.2%) |
| Renter Occupied HU | 353 (23.3%) |
| Vacant Housing Units | 221 (14.6%) |
| Median Home Value | $121,985 |
| Average Home Value | $200,820 |
Housing Distribution
Address Breakdown
Residential
1,263
Single Family
1,247
Multi-Family
16
Businesses
74
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: My State MLS
Mls ID: #11558483