3923 Oak Branch Cir EMemphisTN38135
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 3923 Oak Branch Cir E, Memphis, TN, 38135 in Memphis deserves attention. This $181,500 property earns $1,609/mo in rent, a 10.64% gross yield, and nets $523/mo after the $816/mo payment. DSCR 1.97 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $50,145 compounds alongside $1,672/yr in yearly equity build, for a total cumulative return of $102,296.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 9.2% |
| Monthly Cash Flow | $523 | $450 |
City averages based on Memphis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,609 |
| Total Monthly Debt Service | $1,014 |
| DSCR Ratio | 1.59x |
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 1969
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38135, Memphis, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,278 (100%) |
| Owner Occupied HU | 8,870 (78.6%) |
| Renter Occupied HU | 2,210 (19.6%) |
| Vacant Housing Units | 198 ( 1.8%) |
| Median Home Value | $320,151 |
| Average Home Value | $334,885 |
Housing Distribution
Address Breakdown
Residential
11,188
Single Family
10,562
Multi-Family
626
Businesses
120
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 1969
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38135, Memphis, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,278 (100%) |
| Owner Occupied HU | 8,870 (78.6%) |
| Renter Occupied HU | 2,210 (19.6%) |
| Vacant Housing Units | 198 ( 1.8%) |
| Median Home Value | $320,151 |
| Average Home Value | $334,885 |
Housing Distribution
Address Breakdown
Residential
11,188
Single Family
10,562
Multi-Family
626
Businesses
120
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Katrina L Peete • Pinnacle Realty
Mls Name: MAAR
Mls Provider:
Mls ID: #10175413
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