470 Keller StTooneTN38381
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis is a cash-flow-light asset: 470 Keller St, Toone, TN, 38381 in Toone, $169,900, 8.25% gross yield, $151/mo net income. Consider it a market-entry position, the $1,168/mo rent covers the $764/mo payment with a margin, and 5%/yr appreciation is projected to add $46,940 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.53) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $74,007.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $151 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,168 |
| Total Monthly Debt Service | $949 |
| DSCR Ratio | 1.23x |
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 1978
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38381, Toone, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 723 (100%) |
| Owner Occupied HU | 470 (65.0%) |
| Renter Occupied HU | 137 (18.9%) |
| Vacant Housing Units | 116 (16.0%) |
| Median Home Value | $134,091 |
| Average Home Value | $178,755 |
Housing Distribution
Address Breakdown
Residential
617
Single Family
617
Multi-Family
0
Businesses
29
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 1978
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38381, Toone, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 723 (100%) |
| Owner Occupied HU | 470 (65.0%) |
| Renter Occupied HU | 137 (18.9%) |
| Vacant Housing Units | 116 (16.0%) |
| Median Home Value | $134,091 |
| Average Home Value | $178,755 |
Housing Distribution
Address Breakdown
Residential
617
Single Family
617
Multi-Family
0
Businesses
29
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices