6980 Cottonport RdDecaturTN37322
INVESTMENT ANALYSIS
Investment Verdict
Solid Income6980 Cottonport Rd, Decatur, TN, 37322 in Decatur is a solid income-producing rental, 8.32% gross yield, $1,559/mo rent, $213/mo net cash flow on a $224,900 buy. DSCR 1.54 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $62,136 and $2,071/yr in principal reduction project a total cumulative return of $98,811.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $213 | $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 | $1,559 |
| Total Monthly Debt Service | $1,257 |
| DSCR Ratio | 1.24x |
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 2021
1.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37322, Decatur, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,189 (100%) |
| Owner Occupied HU | 2,911 (69.5%) |
| Renter Occupied HU | 830 (19.8%) |
| Vacant Housing Units | 448 (10.7%) |
| Median Home Value | $211,136 |
| Average Home Value | $290,059 |
Housing Distribution
Address Breakdown
Residential
3,846
Single Family
3,823
Multi-Family
23
Businesses
196
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 2021
1.02 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37322, Decatur, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,189 (100%) |
| Owner Occupied HU | 2,911 (69.5%) |
| Renter Occupied HU | 830 (19.8%) |
| Vacant Housing Units | 448 (10.7%) |
| Median Home Value | $211,136 |
| Average Home Value | $290,059 |
Housing Distribution
Address Breakdown
Residential
3,846
Single Family
3,823
Multi-Family
23
Businesses
196
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices