5704 Pumpkin Pie LnChattanoogaTN37409
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing5704 Pumpkin Pie Ln, Chattanooga, TN, 37409 in Chattanooga is a stable, well-positioned rental at $435,000. Rental yield 6.02%. DSCR 1.12 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $120,182 in value and $4,006/yr in principal paydown builds equity, a total projected return of $137,443.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6% | 6.8% |
| Monthly Cash Flow | $(422) | $420 |
City averages based on Chattanooga market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,182 |
| Total Monthly Debt Service | $2,431 |
| DSCR Ratio | 0.90x |
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 1915
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37409, Chattanooga, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,344 (100%) |
| Owner Occupied HU | 797 (59.3%) |
| Renter Occupied HU | 398 (29.6%) |
| Vacant Housing Units | 149 (11.1%) |
| Median Home Value | $346,223 |
| Average Home Value | $380,775 |
Housing Distribution
Address Breakdown
Residential
1,353
Single Family
1,332
Multi-Family
21
Businesses
287
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 1915
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37409, Chattanooga, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,344 (100%) |
| Owner Occupied HU | 797 (59.3%) |
| Renter Occupied HU | 398 (29.6%) |
| Vacant Housing Units | 149 (11.1%) |
| Median Home Value | $346,223 |
| Average Home Value | $380,775 |
Housing Distribution
Address Breakdown
Residential
1,353
Single Family
1,332
Multi-Family
21
Businesses
287
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kathryn Barger-Howell • Keller Williams Realty
Mls Name: Greater Chattanooga Realtors
Mls ID: #1528950