629 Nickajack TrlMonteagleTN37356
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 629 Nickajack Trl, Monteagle, TN, 37356 in Monteagle. Priced at $220,000, it generates $1,841/mo in gross rent and $524/mo in net monthly cash flow, a 10.04% yield that comfortably supports the 1.86 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,286. Five-year appreciation: $60,782. Equity from principal paydown: $2,026/yr. Total projected cumulative return: $116,966.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.2% |
| Monthly Cash Flow | $524 | $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 | $1,841 |
| Total Monthly Debt Service | $1,229 |
| DSCR Ratio | 1.50x |
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 1961
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37356, Monteagle, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,541 (100%) |
| Owner Occupied HU | 908 (58.9%) |
| Renter Occupied HU | 235 (15.2%) |
| Vacant Housing Units | 398 (25.8%) |
| Median Home Value | $274,000 |
| Average Home Value | $288,532 |
Housing Distribution
Address Breakdown
Residential
1,082
Single Family
1,082
Multi-Family
0
Businesses
159
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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 1961
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37356, Monteagle, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,541 (100%) |
| Owner Occupied HU | 908 (58.9%) |
| Renter Occupied HU | 235 (15.2%) |
| Vacant Housing Units | 398 (25.8%) |
| Median Home Value | $274,000 |
| Average Home Value | $288,532 |
Housing Distribution
Address Breakdown
Residential
1,082
Single Family
1,082
Multi-Family
0
Businesses
159
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices