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2501 Vista Ln
D+ Composite 48.63
Why this score? — see what drove the D+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • Cash flow +15.4/30.0
  • ARV discount +15.0/15.0
  • DSCR +4.7/10.0
  • Condition / age +4.0/5.0
  • 1% rule +3.6/10.0
  • Rent growth +2.8/5.0
  • Livability +2.5/5.0
  • Schools +0.5/10.0
  • Appreciation +0.0/10.0

$240,000

2501 Vista Ln · Nashville-Davidson metropolitan government (balance), TN 37207
4 bd · 2.0 ba · 1,296 sqft · SingleFamily public records · 111 Days on market
Built 2019 Good condition 6,534 sqft lot $185/sqft · 28% below area Est $333k · 28% under $47/mo HOA · 2% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks

Adorable cottage with easy access to downtown Nashville! One level living! This home offers a covered walk on front porch, 4 bedrooms, 2 full bathrooms, eat-in kitchen, water filtration system, designated backyard space for your fur babies, large storage shed for tools and extra belongings, cozy fire pit area, established vegetable garden and fruit trees, refrigerator and washer/dryer conveys, nature is your backyard neighbor, community playground and green space available to residents for their enjoyment, nearby restaurants, 15 minutes from Opry Mills Mall, 20 minutes from BNA. Perfect starter home! * * * OWNER OCCUPANCY ONLY - NO INVESTORS.

Key facts

  • 6,534 sq ft lot
  • Built 2019
  • Listed 110 days

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 4-bed/2.0-bath single-family listed at $240k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $94 ($1k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $206k (14.2% below list).
  • Recommended offer: $206k (14.2% below list) — sets the bar for 1% rule.
  • Cap rate 6.8% vs local median 3.0% in Nashville-Davidson metropolitan government (balance) — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

  • Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
  • Davidson County (urban): math 12% / reading 19% proficiency, ranked #126 of 139 in TN (top 91%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 66% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Zoned schools: Alex Green Elementary (math 2% / reading 12%, grade F, #863 of 952 statewide, top 92%, 424 students, 0% FRL); Haynes Middle (math 0% / reading 3%, grade F, #332 of 333 statewide, top 100%, 291 students, 0% FRL); Whites Creek High (math 2% / reading 12%, grade F, #294 of 332 statewide, top 91%, 587 students, 0% FRL) — zoned schools average 0% FRL vs 66% district-wide (66 pts lower); this property's tenant base skews higher-income than the district average.
  • Market conditions: Rents rising (+1.3%/yr); 794 active listings in the ZIP; 30 comparable units currently listed for rent nearby; rentals lingering (median 69d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 60% of comp listings sitting > 30 days — soft ceiling on asking rent; 6,873 units permitted in Davidson County in 2024 (4,138 in 5+ unit buildings).
  • This rent runs 40% of the median local income ($62k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
  • Davidson County population projected at +42% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 111 days — a 9% lower offer ($218k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $205,855 (14.2% below list)

Questions for the listing agent

  1. It's been on market 111 days. Have you received any prior offers? Is the seller open to a 14% concession, seller financing, or rate buy-down credit?
  2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
  6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
0.86%
Cap rate
6.76%
Cash-on-cash
1.67%
DSCR
1.07
GRM
9.7

CMA / ARV

ARV (median comp)
$333,246
List price
$240,000
Delta
-27.98%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 8 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
1132 Marlowe Lndg 0.38mi 3/2.5 (-1) 1,298 (+0%) 1mo $387,900 $299 74
1117 Marlowe Lndg 0.38mi 3/2.5 (-1) 1,298 (+0%) 1mo $380,300 $293 74
4100 Polk Forest Cir 0.04mi 3/2.0 (-1) 1,146 (-12%) 12mo $210,000 $183 64
4112 Polk Forest Cir 0.07mi 3/2.0 (-1) 1,130 (-13%) 18mo $210,000 $186 55
461 Ewing Ln 0.51mi 3/1.5 (-1) 1,261 (-3%) 22mo $345,000 $274 46
600 Lane Ct 0.68mi 3/2.0 (-1) 1,125 (-13%) 4mo $325,000 $289 38
3018 Ewingdale Dr 0.69mi 3/2.0 (-1) 1,395 (+8%) 17mo $343,500 $246 36
3004 Ewingdale Dr 0.74mi 3/2.0 (-1) 1,361 (+5%) 23mo $281,300 $207 33

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 1.33% rent growth · sell at horizon

5-year hold
IRR
-15.4%
Equity multiple
0.46×
Total profit
$-36,372
Equity at exit
$35,785
10-year hold
IRR
-9.8%
Equity multiple
0.44×
Total profit
$-37,678
Equity at exit
$20,751

Cash invested: $67,200 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
87 Strongly Landlord-Friendly
State Tennessee
87 Strongly Landlord-Friendly · R+13
County
— inherits STATE
City
— inherits STATE
14-day notice (URLTA); generally landlord-favorable; Nashville court paced moderate.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
31 active · 11 under contract
Months of supply
18.6 mo (5%/mo absorbed)
Median asking
$399,500 ($268/sqft)
Median days on market
49 d
This list price
lowest-priced of the active set
ARV vs active asking
-4.1% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 37207

Home prices YoY
-27.8%
Rents YoY
1.3%
Active inventory
794
Price-to-rent
9.7×

Monthly cashflow live

Estimated rent
$2,059 high interval (Pro) →
Mortgage (P&I)
$1,259
Tax from tax record
$127 /mo · $1,524/yr
Insurance
$100
HOA
$47
Vacancy / Maint / Mgmt
$432
Net cashflow
$94

Break-even live

Break-even rent $1,940
Max offer price $240,000
Occupancy floor 90%

Sensitivity live

Price -10% $230 -5% $162 +0% $94 +5% $26 +10% $-42
Rent -10% $-69 -5% $12 +0% $94 +5% $175 +10% $256
Rate -1.0pp $215 -0.5pp $155 base $94 +0.5pp $31 +1.0pp $-32

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$60,000
Closing costs
$7,200
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 30 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
2604 Vista Ln Nashville, TN 3.0 2.0 1235 $1,750 $1.42 10d 1 0.08mi
305 Vista Cv Nashville, TN 3.0 2.0 1215 $2,000 $1.65 112d 1 0.15mi
2888 Creekbend Dr Nashville, TN 3.0 2.5 1576 $1,200 $0.76 103d 1 0.62mi
2888 Creekbend Dr Nashville, TN 3.0 2.5 1576 $1,300 $0.82 64d 1 0.62mi
2888 Creekbend Dr Nashville, TN 3.0 2.5 1200 $1,250 $1.04 110d 1 0.62mi
3136 Greggwood Dr Nashville, TN 3.0 2.0 1050 $1,800 $1.71 88d 1 0.66mi
2814 Creekbend Dr Nashville, TN 3.0 2.0 1364 $1,890 $1.39 58d 1 0.70mi
2628 Old Matthews Rd Nashville, TN 4.0 1.5 1584 $2,000 $1.26 4d 1 0.78mi
2160 W Richmond Hill Dr Nashville, TN 4.0 2.5 1632 $2,100 $1.29 10d 1 0.80mi
2945 Brick Church Pike Nashville, TN 1.0–3.0 1.0–2.0 1052 $1,652 $1.57 119d 1 0.81mi
2945 Brick Church Pike Nashville, TN 1.0–3.0 1.0–2.0 1052 $1,672 $1.59 0d 22 0.81mi
2323 Ilolo St Unit 1 Nashville, TN 3.0 1.5 1116 $1,895 $1.70 7d 1 0.97mi
647 Shipp Ln Nashville, TN 3.0 2.0 1560 $2,000 $1.28 82d 1 1.00mi
427 Toney Rd Unit B Nashville, TN 3.0 2.5 1554 $2,403 $1.55 5d 1 1.00mi
334 Ewing Dr Nashville, TN 2.0–3.0 2.0–2.5 1229 $1,729 $1.41 0d 5 1.10mi
2316 Woodridge Dr Nashville, TN 3.0 1.0 950 $1,595 $1.68 119d 1 1.16mi
200 Hillside Cottage Ln Nashville, TN 3.0 1.0–2.0 1063 $2,969 $2.79 0d 45 1.17mi
463 Monticello St Nashville, TN 3.0 2.0 1296 $1,700 $1.31 10d 1 1.21mi
3068 Chateau Valley Dr Nashville, TN 3.0 2.0 1354 $2,185 $1.61 0d 1 1.22mi
3230 Spears Rd Nashville, TN 4.0 1.5 1350 $1,950 $1.44 88d 1 1.28mi
2935 Nashville, TN 3.0 2.5 1220 $1,795 $1.47 93d 1 1.38mi
2935 Nashville, TN 3.0 2.5 1220 $1,795 $1.47 100d 1 1.38mi
2935 Nashville, TN 3.0 2.5 1220 $1,795 $1.47 85d 1 1.38mi
3213 Sennadale Ln Nashville, TN 3.0 2.0 1325 $2,100 $1.58 67d 1 1.39mi
3828 Boatner Dr Nashville, TN 3.0 1.0 1025 $1,800 $1.76 82d 1 1.43mi
3828 Boatner Dr Nashville, TN 3.0 1.0 1025 $1,800 $1.76 74d 1 1.43mi
3828 Boatner Dr Nashville, TN 3.0 1.0 1025 $1,800 $1.76 68d 1 1.43mi
1206 Avondale Cir Nashville, TN 4.0 1.5 1199 $3,000 $2.50 10d 1 1.43mi
617 Merrylodge Ct Nashville, TN 3.0 2.5 1700 $2,340 $1.38 4d 1 1.47mi
3839 Buena Vista Pike Nashville, TN 3.0 2.0 1674 $1,150 $0.69 87d 1 1.50mi

Property features AI

Finance

HOA & community
HOA with monthly fee of $47Community playground and sidewalks

Exterior

Parking
No designated covered parking (parking total listed as 0)
Security
Smoke detectors
Utilities
Public waterPublic sewerWater available
Home design
Single-family residentialOne story
Construction
Hardboard sidingShingle roofExisting construction (year built: existing)
Exterior features
PatioCorner lotStorage structure on property

Interior

Kitchen
Electric ovenDishwasherDisposalRefrigeratorKitchen approx. 11x8
Bedrooms
4 bedrooms (all on the main level)Bedroom sizes approximately 10x15, 9x12, 10x12, 9x11
Flooring
Carpet
Bathrooms
2 full bathrooms
Heating & cooling
Central heatingCentral air
Interior features
Appliances: Electric oven, Dishwasher, Disposal, RefrigeratorWasher and dryer includedCarpet flooringCentral heatingCentral airNo basement
Laundry & utility
WasherDryer

HOA detail $47/mo · $564/yr

Likely covers
water

Listing history 50 events

  1. 2026-09-23
    days on market $240,000 Active 111 DOM
  2. 2026-09-22
    days on market $240,000 Active 110 DOM
  3. 2026-09-21
    days on market $240,000 Active 109 DOM
  4. 2026-09-20
    days on market $240,000 Active 108 DOM
  5. 2026-09-19
    days on market $240,000 Active 107 DOM
  6. 2026-09-18
    days on market $240,000 Active 106 DOM
  7. 2026-09-16
    days on market $240,000 Active 104 DOM
  8. 2026-09-15
    days on market $240,000 Active 103 DOM
  9. 2026-09-14
    days on market $240,000 Active 102 DOM
  10. 2026-09-13
    days on market $240,000 Active 101 DOM
  11. 2026-09-12
    days on market $240,000 Active 100 DOM
  12. 2026-09-11
    days on market $240,000 Active 99 DOM
  13. 2026-09-05
    days on market $240,000 Active 93 DOM
  14. 2026-09-04
    days on market $240,000 Active 92 DOM
  15. 2026-09-03
    days on market $240,000 Active 91 DOM
  16. 2026-08-31
    days on market $240,000 Active 88 DOM
  17. 2026-08-29
    days on market $240,000 Active 86 DOM
  18. 2026-08-28
    days on market $240,000 Active 85 DOM
  19. 2026-08-27
    days on market $240,000 Active 84 DOM
  20. 2026-08-26
    days on market $240,000 Active 83 DOM
  21. 2026-08-25
    days on market $240,000 Active 82 DOM
  22. 2026-08-24
    days on market $240,000 Active 81 DOM
  23. 2026-08-23
    days on market $240,000 Active 80 DOM
  24. 2026-08-22
    days on market $240,000 Active 79 DOM
  25. 2026-08-21
    days on market $240,000 Active 78 DOM
  26. 2026-08-20
    days on market $240,000 Active 77 DOM
  27. 2026-08-19
    days on market $240,000 Active 76 DOM
  28. 2026-08-18
    days on market $240,000 Active 75 DOM
  29. 2026-08-17
    days on market $240,000 Active 74 DOM
  30. 2026-08-16
    days on market $240,000 Active 73 DOM
  31. 2026-08-15
    days on market $240,000 Active 72 DOM
  32. 2026-08-15
    pricedays on market $240,000 Active 71 DOM
  33. 2026-08-13
    days on market $245,000 Active 70 DOM
  34. 2026-08-12
    days on market $245,000 Active 69 DOM
  35. 2026-08-11
    days on market $245,000 Active 68 DOM
  36. 2026-08-10
    days on market $245,000 Active 67 DOM
  37. 2026-08-09
    days on market $245,000 Active 66 DOM
  38. 2026-08-08
    days on market $245,000 Active 65 DOM
  39. 2026-08-07
    days on market $245,000 Active 64 DOM
  40. 2026-08-06
    days on market $245,000 Active 63 DOM
  41. 2026-08-05
    days on market $245,000 Active 62 DOM
  42. 2026-08-04
    days on market $245,000 Active 61 DOM
  43. 2026-08-03
    days on market $245,000 Active 60 DOM
  44. 2026-07-31
    days on market $245,000 Active 57 DOM
  45. 2026-07-30
    days on market $245,000 Active 56 DOM
  46. 2026-07-30
    days on market $245,000 Active 55 DOM
  47. 2026-07-28
    days on market $245,000 Active 54 DOM
  48. 2026-07-26
    days on market $245,000 Active 52 DOM
  49. 2026-07-24
    days on market $245,000 Active 50 DOM
  50. 2026-07-23
    days on market $245,000 Active 49 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast TN · Resets to sale price

Current annual tax
$1,524 · $127/mo
Projected year-2 tax
$1,704 · $142/mo
Expected delta
+$180/yr (+$15/mo · 11.8%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 5/10 Major 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
  • 💨 Wind 3/10 Moderate 8% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$24,703
− Mortgage interest
−$13,444
− Property taxes
−$1,524
− Insurance
−$1,200
− Repairs & maintenance
−$1,976
− Management
−$1,976
− HOA
−$564
− Depreciation
−$6,982
Taxable loss
−$2,963
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$711
After-tax cash flow
$1,835/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab Est. rehab $6,480–$19,440 screening

This single-family home is in good condition with a good condition score of 80. It has a cosmetic rehab level and requires minor maintenance such as painting the exterior siding and cleaning gutters. The highest-ROI updates that would raise its value are painting the exterior siding and cleaning gutters.

Value-add opportunities

  • Resale Paint exterior siding — Fresh paint can enhance curb appeal and property value.
  • Rental Clean gutters — Clean gutters improve drainage and prevent water damage, which is important for renters.

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 5/100

Zoned Schools

Elementary Alex Green Elementary F TN #863/952 Nat'l #40,092/41,679 Middle Haynes Middle F TN #332/333 Nat'l #14,000/14,009 High Whites Creek High F TN #294/332 Nat'l #16,721/17,239

Schools (NCES district)

District
Davidson County
NCES district ID
4703180
Math proficiency
12% ▼ -17.00%
Reading proficiency
19% ▼ -7.00%
Median HH income
$48,667
Composite
14.03/100
National rank
#9472
State rank
#126 of 139 in TN

Livability — Nashville-Davidson metropolitan government (balance)

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

Census place
Nashville-Davidson metropolitan government (balance), TN
County
Davidson County · 808,568 people
City population
677,595
Metro
Nashville-Davidson--Murfreesboro--Franklin, TN
Population (ZIP)
41,366
Household income
$61,744
Rent vs Own
44.3% rent · 55.7% own
Severe rent burden
17% of renters

Population outlook (Davidson County) Hauer SSP2

Today (2025)
808,568 people
By 2030
874,489 · +8.2%
By 2040
1,009,046 · +24.8%
By 2050
1,147,294 · +41.9%
By 2075
1,475,439 · +82.5%
By 2100
1,714,101 · +112.0%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.60)
Race & ethnicity
Black 57% White 24% Hispanic / Latino 13% Two or more races 8%
Hispanic origin (detail)
Mexican 6%
Common ancestry
Slovak 2% Serbian 1% Romanian 1%
Foreign-born
10% · Canada, Jamaica
Languages at home
88% English-only · Spanish 10%

Political lean MEDSL · Davidson

2024 margin
Strong D (+27.4) · D 62.7% · R 35.3% · Other 2.0%
2008→2024 swing
+6.5pp toward D · 2008: 21.0pp · 2024: 27.4pp
All cycles
2024: D+27.4 2020: D+32.1 2016: D+26.0 2012: D+18.7 2008: D+21.0

Not yet ingested

Civics

Price history

+0.0% since first listed
2 events — show timeline
  • 2026-06-05 Listed $245,000 REALTRACS as Distributed by MLS Grid
  • 2026-06-04 Coming Soon $245,000 REALTRACS as Distributed by MLS Grid

Property tax history

+2.1%/yr

Latest (2025): $1,524 · +3.1% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…