Pamlico Plan, Harbor CrestOoltewahTN37363
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at Pamlico Plan, Harbor Crest, Ooltewah, TN, 37363 in Ooltewah: $3,960/mo in rent, $650/mo in net income, 8.59% gross yield, 1.59 DSCR, all at $552,990. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $152,781 in appreciation and $5,093/yr in principal paydown projects total cumulative return of $251,019.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.5% |
| Monthly Cash Flow | $650 | $485 |
City averages based on Ooltewah market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,960 |
| Total Monthly Debt Service | $3,090 |
| DSCR Ratio | 1.28x |
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
