2026 Ruby StChattanoogaTN37406
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 2026 Ruby St, Chattanooga, TN, 37406 in Chattanooga at $275,000, 5.86% gross yield, is a market-growth asset. Rental yield 5.86%. The $1,343/mo rent partially funds the $1,237/mo debt service; the core return is the 5%/yr price growth projected to add $75,977 over five years. Ziffy Mortgage's DSCR mortgage (1.09) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $84,507.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 6.8% |
| Monthly Cash Flow | $(303) | $420 |
City averages based on Chattanooga market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,343 |
| Total Monthly Debt Service | $1,537 |
| DSCR Ratio | 0.87x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37406, Chattanooga, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,178 (100%) |
| Owner Occupied HU | 2,684 (43.4%) |
| Renter Occupied HU | 2,840 (46.0%) |
| Vacant Housing Units | 654 (10.6%) |
| Median Home Value | $224,742 |
| Average Home Value | $284,553 |
Housing Distribution
Address Breakdown
Residential
5,414
Single Family
5,242
Multi-Family
172
Businesses
714
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
0.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37406, Chattanooga, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,178 (100%) |
| Owner Occupied HU | 2,684 (43.4%) |
| Renter Occupied HU | 2,840 (46.0%) |
| Vacant Housing Units | 654 (10.6%) |
| Median Home Value | $224,742 |
| Average Home Value | $284,553 |
Housing Distribution
Address Breakdown
Residential
5,414
Single Family
5,242
Multi-Family
172
Businesses
714
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Grace Frank • Zach Taylor - Chattanooga
Mls Name: Greater Chattanooga Realtors
Mls ID: #1528801