2712 Shepherd View DrChattanoogaTN37421
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow2712 Shepherd View Dr, Chattanooga, TN, 37421 in Chattanooga is a top-tier cash-flow asset. At $235,000 it produces $2,069/mo in rent and $602/mo in net monthly income, a 10.13% gross rental yield. The DSCR of 1.96 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $7,229. Five-year appreciation adds $64,926, driving a total cumulative return of $131,516.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.8% |
| Monthly Cash Flow | $602 | $420 |
City averages based on Chattanooga market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,069 |
| Total Monthly Debt Service | $1,313 |
| DSCR Ratio | 1.58x |
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 1958
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37421, Chattanooga, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,881 (100%) |
| Owner Occupied HU | 13,361 (55.9%) |
| Renter Occupied HU | 8,968 (37.6%) |
| Vacant Housing Units | 1,552 ( 6.5%) |
| Median Home Value | $353,624 |
| Average Home Value | $388,779 |
Housing Distribution
Address Breakdown
Residential
23,398
Single Family
17,809
Multi-Family
5,589
Businesses
2,544
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 1958
0.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37421, Chattanooga, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,881 (100%) |
| Owner Occupied HU | 13,361 (55.9%) |
| Renter Occupied HU | 8,968 (37.6%) |
| Vacant Housing Units | 1,552 ( 6.5%) |
| Median Home Value | $353,624 |
| Average Home Value | $388,779 |
Housing Distribution
Address Breakdown
Residential
23,398
Single Family
17,809
Multi-Family
5,589
Businesses
2,544
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Christian Beairsto • Porchlight Real Estate LLC
Mls Name: Greater Chattanooga Realtors
Mls ID: #1517412