5102 Oop RdChattanoogaTN37416
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 5102 Oop Rd, Chattanooga, TN, 37416 in Chattanooga at $449,900 earns $2,747/mo in rent and nets $41/mo after the $2,023/mo payment, a 7.33% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $124,299 over five years. Ziffy Mortgage underwrites this on a 1.36 DSCR without U.S. credit history. With $4,144/yr in principal paydown, total projected return reaches $173,667.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.8% |
| Monthly Cash Flow | $41 | $420 |
City averages based on Chattanooga market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,747 |
| Total Monthly Debt Service | $2,514 |
| DSCR Ratio | 1.09x |
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 2023
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37416, Chattanooga, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,072 (100%) |
| Owner Occupied HU | 4,323 (61.1%) |
| Renter Occupied HU | 2,377 (33.6%) |
| Vacant Housing Units | 372 ( 5.3%) |
| Median Home Value | $306,325 |
| Average Home Value | $381,700 |
Housing Distribution
Address Breakdown
Residential
6,946
Single Family
6,048
Multi-Family
898
Businesses
654
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
8,712 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37416, Chattanooga, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,072 (100%) |
| Owner Occupied HU | 4,323 (61.1%) |
| Renter Occupied HU | 2,377 (33.6%) |
| Vacant Housing Units | 372 ( 5.3%) |
| Median Home Value | $306,325 |
| Average Home Value | $381,700 |
Housing Distribution
Address Breakdown
Residential
6,946
Single Family
6,048
Multi-Family
898
Businesses
654
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Greater Chattanooga Realtors
Mls ID: #1531432