804 Willow Trace CtWhites CreekTN37189
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 804 Willow Trace Ct, Whites Creek, TN, 37189 in Whites Creek. At $299,900 it earns $2,034/mo in rent and distributes $205/mo to the owner after the $1,349/mo payment, a consistent 8.14% yield. DSCR 1.51 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $82,857 in value; $2,762/yr in principal paydown compounds ownership stake. Total projected return: $128,803.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $205 | $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 | $2,034 |
| Total Monthly Debt Service | $1,676 |
| DSCR Ratio | 1.21x |
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 1989
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37189, Whites Creek, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,226 (100%) |
| Owner Occupied HU | 978 (79.8%) |
| Renter Occupied HU | 186 (15.2%) |
| Vacant Housing Units | 62 ( 5.1%) |
| Median Home Value | $526,846 |
| Average Home Value | $651,603 |
Housing Distribution
Address Breakdown
Residential
1,563
Single Family
1,428
Multi-Family
135
Businesses
147
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 1989
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37189, Whites Creek, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,226 (100%) |
| Owner Occupied HU | 978 (79.8%) |
| Renter Occupied HU | 186 (15.2%) |
| Vacant Housing Units | 62 ( 5.1%) |
| Median Home Value | $526,846 |
| Average Home Value | $651,603 |
Housing Distribution
Address Breakdown
Residential
1,563
Single Family
1,428
Multi-Family
135
Businesses
147
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Alvaro Pineda • NetWorth Realty of Nashville, LLC
Mls Name: RealTracs MLS as distributed by MLS GRID
Mls ID: #3123285