4195 Long Creek RdMemphisTN38125
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Memphis rental at 4195 Long Creek Rd, Memphis, TN, 38125 sits in the solid-income band: 8.59% gross yield, $1,556/mo rent, $250/mo net after the $977/mo debt service, DSCR 1.59. Entry price of $217,300 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $60,036 and $2,001/yr in principal reduction bring total cumulative return to $98,644.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 9.2% |
| Monthly Cash Flow | $250 | $450 |
City averages based on Memphis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,556 |
| Total Monthly Debt Service | $1,214 |
| DSCR Ratio | 1.28x |
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 1990
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38125, Memphis, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,108 (100%) |
| Owner Occupied HU | 9,571 (55.9%) |
| Renter Occupied HU | 6,771 (39.6%) |
| Vacant Housing Units | 766 ( 4.5%) |
| Median Home Value | $282,027 |
| Average Home Value | $334,954 |
Housing Distribution
Address Breakdown
Residential
17,486
Single Family
11,626
Multi-Family
5,860
Businesses
712
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 1990
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38125, Memphis, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,108 (100%) |
| Owner Occupied HU | 9,571 (55.9%) |
| Renter Occupied HU | 6,771 (39.6%) |
| Vacant Housing Units | 766 ( 4.5%) |
| Median Home Value | $282,027 |
| Average Home Value | $334,954 |
Housing Distribution
Address Breakdown
Residential
17,486
Single Family
11,626
Multi-Family
5,860
Businesses
712
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices