4438 E Scenic DrGatlinburgTN37738
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 4438 E Scenic Dr, Gatlinburg, TN, 37738 in Gatlinburg. Priced at $439,900, it generates $4,080/mo in gross rent and $1,447/mo in net monthly cash flow, a 11.13% yield that comfortably supports the 1.96 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $17,360. Five-year appreciation: $121,536. Equity from principal paydown: $3,688/yr. Total projected cumulative return: $251,275.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.1% | 6.2% |
| Monthly Cash Flow | $1,447 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $4,080 |
| Total Monthly Debt Service | $2,566 |
| 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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1985
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37738, Gatlinburg, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,246 (100%) |
| Owner Occupied HU | 1,502 (20.7%) |
| Renter Occupied HU | 706 ( 9.7%) |
| Vacant Housing Units | 5,038 (69.5%) |
| Median Home Value | $382,012 |
| Average Home Value | $448,525 |
Housing Distribution
Address Breakdown
Residential
3,154
Single Family
2,760
Multi-Family
394
Businesses
903
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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
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Listed by: N/A • N/A
Mls Name: East Tennessee Realtors
Mls Provider:
Mls ID: #1355622
