404 Bell Lake Rd LOT 8GallatinTN37066
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 404 Bell Lake Rd LOT 8, Gallatin, TN, 37066 in Gallatin. Rental yield 3.12%. At $1,145,900 with 3.12% gross yield, current distributions are modest, but the 5% appreciation rate projects $316,591 in new equity by year five, complemented by $10,554/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.58) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $183,672.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 6.5% |
| Monthly Cash Flow | $(3,882) | $1,250 |
City averages based on Gallatin market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,977 |
| Total Monthly Debt Service | $6,404 |
| DSCR Ratio | 0.46x |
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.
Single Family
Built in 2025
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37066, Gallatin, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 30,313 (100%) |
| Owner Occupied HU | 18,507 (61.1%) |
| Renter Occupied HU | 9,686 (32.0%) |
| Vacant Housing Units | 2,120 ( 7.0%) |
| Median Home Value | $510,441 |
| Average Home Value | $580,109 |
Housing Distribution
Address Breakdown
Residential
27,823
Single Family
23,116
Multi-Family
4,707
Businesses
1,826
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 2025
0.35 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37066, Gallatin, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 30,313 (100%) |
| Owner Occupied HU | 18,507 (61.1%) |
| Renter Occupied HU | 9,686 (32.0%) |
| Vacant Housing Units | 2,120 ( 7.0%) |
| Median Home Value | $510,441 |
| Average Home Value | $580,109 |
Housing Distribution
Address Breakdown
Residential
27,823
Single Family
23,116
Multi-Family
4,707
Businesses
1,826
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices