900 Mountain Creek RdChattanoogaTN37405
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowTight but positive: 900 Mountain Creek Rd, Chattanooga, TN, 37405 in Chattanooga at $155,000 earns $1,454/mo in rent and nets $115/mo after the $697/mo payment, a 11.26% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $42,824 over five years. Ziffy Mortgage underwrites this on a 2.09 DSCR without U.S. credit history. With $1,428/yr in principal paydown, total projected return reaches $92,502.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 6.8% |
| Monthly Cash Flow | $115 | $420 |
City averages based on Chattanooga market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,454 |
| Total Monthly Debt Service | $866 |
| DSCR Ratio | 1.68x |
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.
Condo
Built in 1975
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37405, Chattanooga, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,455 (100%) |
| Owner Occupied HU | 4,694 (44.9%) |
| Renter Occupied HU | 4,543 (43.5%) |
| Vacant Housing Units | 1,218 (11.6%) |
| Median Home Value | $464,524 |
| Average Home Value | $559,313 |
Housing Distribution
Address Breakdown
Residential
10,432
Single Family
8,282
Multi-Family
2,150
Businesses
1,207
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
Condo
Built in 1975
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37405, Chattanooga, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,455 (100%) |
| Owner Occupied HU | 4,694 (44.9%) |
| Renter Occupied HU | 4,543 (43.5%) |
| Vacant Housing Units | 1,218 (11.6%) |
| Median Home Value | $464,524 |
| Average Home Value | $559,313 |
Housing Distribution
Address Breakdown
Residential
10,432
Single Family
8,282
Multi-Family
2,150
Businesses
1,207
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lindsey Smith Clark • Compass Group Realty, LLC
Mls Name: RCAR
Mls ID: #20252910