5389 Rives Mount Pelia RdRivesTN38253
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 5389 Rives Mount Pelia Rd, Rives, TN, 38253 in Rives. Priced at $198,900, it generates $1,783/mo in gross rent and $593/mo in net monthly cash flow, a 10.76% yield that comfortably supports the 1.99 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $7,111. Five-year appreciation: $54,952. Equity from principal paydown: $1,832/yr. Total projected cumulative return: $113,386.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.8% | 6.2% |
| Monthly Cash Flow | $593 | $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 | $1,783 |
| Total Monthly Debt Service | $1,112 |
| DSCR Ratio | 1.60x |
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 1962
1.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38253, Rives, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 450 (100%) |
| Owner Occupied HU | 326 (72.4%) |
| Renter Occupied HU | 78 (17.3%) |
| Vacant Housing Units | 46 (10.2%) |
| Median Home Value | $223,529 |
| Average Home Value | $437,646 |
Housing Distribution
Address Breakdown
Residential
393
Single Family
393
Multi-Family
0
Businesses
14
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 1962
1.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38253, Rives, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 450 (100%) |
| Owner Occupied HU | 326 (72.4%) |
| Renter Occupied HU | 78 (17.3%) |
| Vacant Housing Units | 46 (10.2%) |
| Median Home Value | $223,529 |
| Average Home Value | $437,646 |
Housing Distribution
Address Breakdown
Residential
393
Single Family
393
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices