3412 Concord DrWhite PineTN37890
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 3412 Concord Dr, White Pine, TN, 37890 in White Pine is narrow, $24/mo net on $2,029/mo rent after the $1,506/mo debt service, but the property operates at break-even-plus, not a loss. At $335,000 with a 7.27% yield, the long-run equity case via 5% appreciation ($92,554 over five years) and $3,085/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.35 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $128,317.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $24 | $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 | $2,029 |
| Total Monthly Debt Service | $1,872 |
| DSCR Ratio | 1.08x |
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 1982
3.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37890, White Pine, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,425 (100%) |
| Owner Occupied HU | 2,327 (67.9%) |
| Renter Occupied HU | 670 (19.6%) |
| Vacant Housing Units | 428 (12.5%) |
| Median Home Value | $241,904 |
| Average Home Value | $370,144 |
Housing Distribution
Address Breakdown
Residential
3,031
Single Family
2,603
Multi-Family
428
Businesses
163
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 1982
3.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37890, White Pine, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,425 (100%) |
| Owner Occupied HU | 2,327 (67.9%) |
| Renter Occupied HU | 670 (19.6%) |
| Vacant Housing Units | 428 (12.5%) |
| Median Home Value | $241,904 |
| Average Home Value | $370,144 |
Housing Distribution
Address Breakdown
Residential
3,031
Single Family
2,603
Multi-Family
428
Businesses
163
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ben Lowe • Family Tree Realty
Mls Name: Lakeway Area AOR
Mls ID: #710501