54 Hamby LnCrossvilleTN38555
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder54 Hamby Ln, Crossville, TN, 38555 in Crossville earns a respectable 7.63% gross yield at $283,000, but after the $1,273/mo mortgage the net cash flow is $106/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.41) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $78,188 over five years, making equity the dominant return driver. Total projected return: $113,906.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.2% |
| Monthly Cash Flow | $106 | $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 | $1,800 |
| Total Monthly Debt Service | $1,581 |
| DSCR Ratio | 1.14x |
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 1956
0.67 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38555, Crossville, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,843 (100%) |
| Owner Occupied HU | 5,611 (57.0%) |
| Renter Occupied HU | 3,284 (33.4%) |
| Vacant Housing Units | 948 ( 9.6%) |
| Median Home Value | $279,190 |
| Average Home Value | $344,374 |
Housing Distribution
Address Breakdown
Residential
9,284
Single Family
8,669
Multi-Family
615
Businesses
1,110
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 1956
0.67 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38555, Crossville, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,843 (100%) |
| Owner Occupied HU | 5,611 (57.0%) |
| Renter Occupied HU | 3,284 (33.4%) |
| Vacant Housing Units | 948 ( 9.6%) |
| Median Home Value | $279,190 |
| Average Home Value | $344,374 |
Housing Distribution
Address Breakdown
Residential
9,284
Single Family
8,669
Multi-Family
615
Businesses
1,110
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Andy Peterson • eXp Realty, LLC
Mls Name: East Tennessee Realtors
Mls ID: #1317532