430 Lisa St NEClevelandTN37312
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 430 Lisa St NE, Cleveland, TN, 37312 in Cleveland. At $548,800 it earns $3,524/mo in rent and distributes $239/mo to the owner after the $2,468/mo payment, a consistent 7.71% yield. DSCR 1.43 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $151,623 in value; $5,055/yr in principal paydown compounds ownership stake. Total projected return: $222,956.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 5.2% |
| Monthly Cash Flow | $239 | $1,200 |
City averages based on Cleveland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,524 |
| Total Monthly Debt Service | $3,067 |
| DSCR Ratio | 1.15x |
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 1973
0.76 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37312, Cleveland, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,186 (100%) |
| Owner Occupied HU | 9,889 (61.1%) |
| Renter Occupied HU | 5,468 (33.8%) |
| Vacant Housing Units | 829 ( 5.1%) |
| Median Home Value | $308,973 |
| Average Home Value | $393,088 |
Housing Distribution
Address Breakdown
Residential
15,483
Single Family
14,888
Multi-Family
595
Businesses
1,013
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 1973
0.76 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37312, Cleveland, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,186 (100%) |
| Owner Occupied HU | 9,889 (61.1%) |
| Renter Occupied HU | 5,468 (33.8%) |
| Vacant Housing Units | 829 ( 5.1%) |
| Median Home Value | $308,973 |
| Average Home Value | $393,088 |
Housing Distribution
Address Breakdown
Residential
15,483
Single Family
14,888
Multi-Family
595
Businesses
1,013
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices