4223 Tillie CirChattanoogaTN37419
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 4223 Tillie Cir, Chattanooga, TN, 37419 in Chattanooga speaks for itself: 10.5% gross on a $249,900 price, generating $2,188/mo in rent and $529/mo in net income after the $1,124/mo debt service. DSCR 1.95, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $6,344 stacks alongside $69,043 in projected five-year appreciation and $2,302/yr in principal reduction. Projected total cumulative return: $139,109.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.8% |
| Monthly Cash Flow | $529 | $420 |
City averages based on Chattanooga market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,188 |
| Total Monthly Debt Service | $1,397 |
| DSCR Ratio | 1.57x |
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37419, Chattanooga, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,122 (100%) |
| Owner Occupied HU | 2,201 (70.5%) |
| Renter Occupied HU | 626 (20.1%) |
| Vacant Housing Units | 295 ( 9.4%) |
| Median Home Value | $384,831 |
| Average Home Value | $461,545 |
Housing Distribution
Address Breakdown
Residential
3,076
Single Family
3,073
Multi-Family
3
Businesses
213
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37419, Chattanooga, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,122 (100%) |
| Owner Occupied HU | 2,201 (70.5%) |
| Renter Occupied HU | 626 (20.1%) |
| Vacant Housing Units | 295 ( 9.4%) |
| Median Home Value | $384,831 |
| Average Home Value | $461,545 |
Housing Distribution
Address Breakdown
Residential
3,076
Single Family
3,073
Multi-Family
3
Businesses
213
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Emily Berryman • Zach Taylor - Chattanooga
Mls Name: Greater Chattanooga Realtors
Mls ID: #1527921