812 Aubrey AveChattanoogaTN37411
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 812 Aubrey Ave, Chattanooga, TN, 37411 in Chattanooga earns a 9.93% gross yield at $273,000. Rent of $2,258/mo nets $624/mo after the $1,228/mo mortgage. The 1.84 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $75,425 and $2,514/yr in equity accumulation project a total cumulative return of $143,382.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.9% | 6.8% |
| Monthly Cash Flow | $624 | $420 |
City averages based on Chattanooga market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,258 |
| Total Monthly Debt Service | $1,526 |
| DSCR Ratio | 1.48x |
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 2025
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37411, Chattanooga, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,412 (100%) |
| Owner Occupied HU | 4,672 (55.5%) |
| Renter Occupied HU | 3,130 (37.2%) |
| Vacant Housing Units | 610 ( 7.3%) |
| Median Home Value | $281,716 |
| Average Home Value | $363,201 |
Housing Distribution
Address Breakdown
Residential
8,252
Single Family
7,833
Multi-Family
419
Businesses
662
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 2025
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37411, Chattanooga, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,412 (100%) |
| Owner Occupied HU | 4,672 (55.5%) |
| Renter Occupied HU | 3,130 (37.2%) |
| Vacant Housing Units | 610 ( 7.3%) |
| Median Home Value | $281,716 |
| Average Home Value | $363,201 |
Housing Distribution
Address Breakdown
Residential
8,252
Single Family
7,833
Multi-Family
419
Businesses
662
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Theidra Swanson • REAL Broker
Mls Name: Greater Chattanooga Realtors
Mls ID: #1516069