4253 Cottonwood RdMemphisTN38118
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 4253 Cottonwood Rd, Memphis, TN, 38118 in Memphis. At $160,000 it earns $1,212/mo in rent and distributes $254/mo to the owner after the $719/mo payment, a consistent 9.09% yield. DSCR 1.69 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $44,205 in value; $1,474/yr in principal paydown compounds ownership stake. Total projected return: $76,948.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 9.2% |
| Monthly Cash Flow | $254 | $450 |
City averages based on Memphis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,212 |
| Total Monthly Debt Service | $894 |
| DSCR Ratio | 1.36x |
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 1964
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38118, Memphis, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,833 (100%) |
| Owner Occupied HU | 5,678 (35.9%) |
| Renter Occupied HU | 7,816 (49.4%) |
| Vacant Housing Units | 2,339 (14.8%) |
| Median Home Value | $93,910 |
| Average Home Value | $193,602 |
Housing Distribution
Address Breakdown
Residential
14,981
Single Family
12,533
Multi-Family
2,448
Businesses
2,044
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 1964
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38118, Memphis, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,833 (100%) |
| Owner Occupied HU | 5,678 (35.9%) |
| Renter Occupied HU | 7,816 (49.4%) |
| Vacant Housing Units | 2,339 (14.8%) |
| Median Home Value | $93,910 |
| Average Home Value | $193,602 |
Housing Distribution
Address Breakdown
Residential
14,981
Single Family
12,533
Multi-Family
2,448
Businesses
2,044
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices