3540 Adkisson Dr NWClevelandTN37312
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 3540 Adkisson Dr NW, Cleveland, TN, 37312 in Cleveland is capital appreciation. Rental yield 0.88%. The 0.88% gross yield at $1,600,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $442,051 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.16) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $64,610.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 0.9% | 5.2% |
| Monthly Cash Flow | $(8,402) | $1,200 |
City averages based on Cleveland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,176 |
| Total Monthly Debt Service | $8,941 |
| DSCR Ratio | 0.13x |
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.
Multi Family
Built in 1986
0.93 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37312, Cleveland, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,186 (100%) |
| Owner Occupied HU | 9,889 (61.1%) |
| Renter Occupied HU | 5,468 (33.8%) |
| Vacant Housing Units | 829 ( 5.1%) |
| Median Home Value | $308,973 |
| Average Home Value | $393,088 |
Housing Distribution
Address Breakdown
Residential
15,483
Single Family
14,888
Multi-Family
595
Businesses
1,013
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
Multi Family
Built in 1986
0.93 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37312, Cleveland, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,186 (100%) |
| Owner Occupied HU | 9,889 (61.1%) |
| Renter Occupied HU | 5,468 (33.8%) |
| Vacant Housing Units | 829 ( 5.1%) |
| Median Home Value | $308,973 |
| Average Home Value | $393,088 |
Housing Distribution
Address Breakdown
Residential
15,483
Single Family
14,888
Multi-Family
595
Businesses
1,013
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices