The Adele Plan, Heritage WalkChattanoogaTN37421
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at The Adele Plan, Heritage Walk, Chattanooga, TN, 37421 in Chattanooga is narrow, $184/mo net on $4,165/mo rent after the $2,990/mo debt service, but the property operates at break-even-plus, not a loss. At $665,000 with a 7.52% yield, the long-run equity case via 5% appreciation ($183,727 over five years) and $6,125/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.39 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $263,489.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.8% |
| Monthly Cash Flow | $184 | $420 |
City averages based on Chattanooga market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,165 |
| Total Monthly Debt Service | $3,716 |
| DSCR Ratio | 1.12x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37421, Chattanooga, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,881 (100%) |
| Owner Occupied HU | 13,361 (55.9%) |
| Renter Occupied HU | 8,968 (37.6%) |
| Vacant Housing Units | 1,552 ( 6.5%) |
| Median Home Value | $353,624 |
| Average Home Value | $388,779 |
Housing Distribution
Address Breakdown
Residential
23,398
Single Family
17,809
Multi-Family
5,589
Businesses
2,544
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 37421, Chattanooga, TN area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,881 (100%) |
| Owner Occupied HU | 13,361 (55.9%) |
| Renter Occupied HU | 8,968 (37.6%) |
| Vacant Housing Units | 1,552 ( 6.5%) |
| Median Home Value | $353,624 |
| Average Home Value | $388,779 |
Housing Distribution
Address Breakdown
Residential
23,398
Single Family
17,809
Multi-Family
5,589
Businesses
2,544
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • Greentech Homes LLC
Mls Name: GreenTech Homes LLC
Mls ID: #N/A