902 Troy RdObionTN38240
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 902 Troy Rd, Obion, TN, 38240 in Obion speaks for itself: 11.85% gross on a $172,000 price, generating $1,699/mo in rent and $670/mo in net income after the $773/mo debt service. DSCR 2.20, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $8,035 stacks alongside $47,520 in projected five-year appreciation and $1,584/yr in principal reduction. Projected total cumulative return: $108,212.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 6.2% |
| Monthly Cash Flow | $670 | $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 | $1,699 |
| Total Monthly Debt Service | $961 |
| DSCR Ratio | 1.77x |
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 1974
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38240, Obion, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 886 (100%) |
| Owner Occupied HU | 554 (62.5%) |
| Renter Occupied HU | 207 (23.4%) |
| Vacant Housing Units | 125 (14.1%) |
| Median Home Value | $118,056 |
| Average Home Value | $198,272 |
Housing Distribution
Address Breakdown
Residential
709
Single Family
709
Multi-Family
0
Businesses
35
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 1974
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 38240, Obion, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 886 (100%) |
| Owner Occupied HU | 554 (62.5%) |
| Renter Occupied HU | 207 (23.4%) |
| Vacant Housing Units | 125 (14.1%) |
| Median Home Value | $118,056 |
| Average Home Value | $198,272 |
Housing Distribution
Address Breakdown
Residential
709
Single Family
709
Multi-Family
0
Businesses
35
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices