380 Patterson LnFingerTN38334
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow380 Patterson Ln, Finger, TN, 38334 in Finger earns its strong cash-flow label: 10.51% yield, $1,724/mo rent, $546/mo net income, DSCR 1.95. The $196,900 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $54,400 by year five. Combined with $1,813/yr in principal paydown, total projected return reaches $109,645.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.2% |
| Monthly Cash Flow | $546 | $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 | $1,724 |
| Total Monthly Debt Service | $1,100 |
| DSCR Ratio | 1.57x |
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 1979
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38334, Finger, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 889 (100%) |
| Owner Occupied HU | 619 (69.6%) |
| Renter Occupied HU | 148 (16.6%) |
| Vacant Housing Units | 122 (13.7%) |
| Median Home Value | $181,324 |
| Average Home Value | $239,111 |
Housing Distribution
Address Breakdown
Residential
855
Single Family
855
Multi-Family
0
Businesses
34
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 1979
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38334, Finger, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 889 (100%) |
| Owner Occupied HU | 619 (69.6%) |
| Renter Occupied HU | 148 (16.6%) |
| Vacant Housing Units | 122 (13.7%) |
| Median Home Value | $181,324 |
| Average Home Value | $239,111 |
Housing Distribution
Address Breakdown
Residential
855
Single Family
855
Multi-Family
0
Businesses
34
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices