105 Hillhouse LnRinggoldGA30736
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 105 Hillhouse Ln, Ringgold, GA, 30736 in Ringgold at $365,250 earns $2,350/mo in rent and nets $2/mo after the $1,642/mo payment, a 7.72% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $100,912 over five years. Ziffy Mortgage underwrites this on a 1.43 DSCR without U.S. credit history. With $3,364/yr in principal paydown, total projected return reaches $139,031.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.0% |
| Monthly Cash Flow | $2 | $300 |
City averages based on Ringgold market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,350 |
| Total Monthly Debt Service | $2,203 |
| DSCR Ratio | 1.07x |
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.
Townhouse
Built in 2006
7,405 sqft lot
$N/A/sqft
$125 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30736, Ringgold, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,097 (100%) |
| Owner Occupied HU | 13,898 (76.8%) |
| Renter Occupied HU | 3,217 (17.8%) |
| Vacant Housing Units | 982 ( 5.4%) |
| Median Home Value | $295,727 |
| Average Home Value | $346,943 |
Housing Distribution
Address Breakdown
Residential
17,352
Single Family
17,351
Multi-Family
1
Businesses
1,086
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
Townhouse
Built in 2006
7,405 sqft lot
$N/A/sqft
$125 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 30736, Ringgold, GA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,097 (100%) |
| Owner Occupied HU | 13,898 (76.8%) |
| Renter Occupied HU | 3,217 (17.8%) |
| Vacant Housing Units | 982 ( 5.4%) |
| Median Home Value | $295,727 |
| Average Home Value | $346,943 |
Housing Distribution
Address Breakdown
Residential
17,352
Single Family
17,351
Multi-Family
1
Businesses
1,086
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Shirley D Moore • Crye-Leike, REALTORS
Mls Name: Greater Chattanooga Realtors
Mls ID: #1512297
Disclaimer: IDX information is provided exclusively for consumers personal, noncommercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by the MLS. Zillow, Inc. does not display the entire MLS of Chattanooga, Inc. database on this website. The listings of some real estate brokerage firms have been excluded. Some or all of the listings displayed may not belong to the firm whose website is being visited Copyright 2025 by Chattanooga Association of REALTORS