Darwin Plan, Harbor CrestOoltewahTN37363
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate Darwin Plan, Harbor Crest, Ooltewah, TN, 37363 in Ooltewah. At $429,990 it earns $2,842/mo in rent and distributes $268/mo to the owner after the $1,934/mo payment, a consistent 7.93% yield. DSCR 1.47 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $118,798 in value; $3,960/yr in principal paydown compounds ownership stake. Total projected return: $179,885.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.5% |
| Monthly Cash Flow | $268 | $485 |
City averages based on Ooltewah market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,842 |
| Total Monthly Debt Service | $2,403 |
| DSCR Ratio | 1.18x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37363, Ooltewah, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,885 (100%) |
| Owner Occupied HU | 12,894 (72.1%) |
| Renter Occupied HU | 3,742 (20.9%) |
| Vacant Housing Units | 1,249 ( 7.0%) |
| Median Home Value | $385,069 |
| Average Home Value | $432,465 |
Housing Distribution
Address Breakdown
Residential
17,659
Single Family
16,798
Multi-Family
861
Businesses
805
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37363, Ooltewah, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,885 (100%) |
| Owner Occupied HU | 12,894 (72.1%) |
| Renter Occupied HU | 3,742 (20.9%) |
| Vacant Housing Units | 1,249 ( 7.0%) |
| Median Home Value | $385,069 |
| Average Home Value | $432,465 |
Housing Distribution
Address Breakdown
Residential
17,659
Single Family
16,798
Multi-Family
861
Businesses
805
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
