5256 Keatswood Cir SMemphisTN38120
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 5256 Keatswood Cir S, Memphis, TN, 38120 in Memphis at $479,000 earns $2,942/mo in rent and nets $75/mo after the $2,154/mo payment, a 7.37% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $132,339 over five years. Ziffy Mortgage underwrites this on a 1.37 DSCR without U.S. credit history. With $4,412/yr in principal paydown, total projected return reaches $186,055.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 9.2% |
| Monthly Cash Flow | $75 | $450 |
City averages based on Memphis market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,942 |
| Total Monthly Debt Service | $2,677 |
| DSCR Ratio | 1.10x |
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 1965
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38120, Memphis, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,963 (100%) |
| Owner Occupied HU | 4,534 (65.1%) |
| Renter Occupied HU | 2,045 (29.4%) |
| Vacant Housing Units | 384 ( 5.5%) |
| Median Home Value | $441,589 |
| Average Home Value | $589,319 |
Housing Distribution
Address Breakdown
Residential
6,690
Single Family
5,180
Multi-Family
1,510
Businesses
472
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 1965
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38120, Memphis, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,963 (100%) |
| Owner Occupied HU | 4,534 (65.1%) |
| Renter Occupied HU | 2,045 (29.4%) |
| Vacant Housing Units | 384 ( 5.5%) |
| Median Home Value | $441,589 |
| Average Home Value | $589,319 |
Housing Distribution
Address Breakdown
Residential
6,690
Single Family
5,180
Multi-Family
1,510
Businesses
472
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices