4795 Amethyst RdChattanoogaTN37419
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 4795 Amethyst Rd, Chattanooga, TN, 37419 in Chattanooga fits: $805,000, 4.94% gross yield, and a projected 5% annual appreciation rate adding $222,407 in value within five years. Rental yield 4.94%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.91) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $7,414/yr in principal paydown and $222,407 in appreciation project a total return of $207,521.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 6.8% |
| Monthly Cash Flow | $(1,508) | $420 |
City averages based on Chattanooga market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,311 |
| Total Monthly Debt Service | $4,499 |
| DSCR Ratio | 0.74x |
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 2023
6,098 sqft 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
Single Family
Built in 2023
6,098 sqft 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: Judy R Austin • Redfin
Mls Name: Greater Chattanooga Realtors
Mls ID: #1523770