5088 Baptist Ridge RdHilhamTN38568
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 5088 Baptist Ridge Rd, Hilham, TN, 38568 in Hilham is a conservative rental investment at $250,000. Rental yield 6.32%. A 1.17 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $69,070; $2,303/yr in principal paydown supplements. Total projected return: $83,137.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.3% | 6.2% |
| Monthly Cash Flow | $(179) | $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 | $1,318 |
| Total Monthly Debt Service | $1,397 |
| DSCR Ratio | 0.94x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1968
7.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38568, Hilham, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,072 (100%) |
| Owner Occupied HU | 685 (63.9%) |
| Renter Occupied HU | 173 (16.1%) |
| Vacant Housing Units | 214 (20.0%) |
| Median Home Value | $244,626 |
| Average Home Value | $335,204 |
Housing Distribution
Address Breakdown
Residential
979
Single Family
979
Multi-Family
0
Businesses
19
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 1968
7.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38568, Hilham, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,072 (100%) |
| Owner Occupied HU | 685 (63.9%) |
| Renter Occupied HU | 173 (16.1%) |
| Vacant Housing Units | 214 (20.0%) |
| Median Home Value | $244,626 |
| Average Home Value | $335,204 |
Housing Distribution
Address Breakdown
Residential
979
Single Family
979
Multi-Family
0
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ron Buford • The Property Company
Mls Name: UCMLS
Mls Provider:
Mls ID: #237033
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