7849 Melanie CirTalbottTN37877
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 7849 Melanie Cir, Talbott, TN, 37877 in Talbott worth study. Rental yield 4.35%. The 4.35% gross yield is below cash-flow benchmarks at $1,300,000, but 5% annual appreciation, adding $359,166 over five years, frames this as a capital growth position. Rent of $4,708/mo partially offsets the $5,846/mo payment. Ziffy Mortgage finances appreciation-play properties (0.81 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $293,950.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 6.2% |
| Monthly Cash Flow | $(3,074) | $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 | $4,708 |
| Total Monthly Debt Service | $7,265 |
| DSCR Ratio | 0.65x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1978
0.67 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37877, Talbott, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,087 (100%) |
| Owner Occupied HU | 3,170 (77.6%) |
| Renter Occupied HU | 622 (15.2%) |
| Vacant Housing Units | 295 ( 7.2%) |
| Median Home Value | $263,902 |
| Average Home Value | $300,394 |
Housing Distribution
Address Breakdown
Residential
3,867
Single Family
3,867
Multi-Family
0
Businesses
158
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 1978
0.67 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37877, Talbott, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,087 (100%) |
| Owner Occupied HU | 3,170 (77.6%) |
| Renter Occupied HU | 622 (15.2%) |
| Vacant Housing Units | 295 ( 7.2%) |
| Median Home Value | $263,902 |
| Average Home Value | $300,394 |
Housing Distribution
Address Breakdown
Residential
3,867
Single Family
3,867
Multi-Family
0
Businesses
158
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices