3838 Juandale Dr · Chattanooga, TN 37406

$104,900

2 bd · 1.5 ba · 1,440 sqft · SingleFamily public records · 3 Days on market

Built 1960 0.36 ac lot

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Why this score? — see what drove the B- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +8.9/10.0
• ARV discount +7.5/15.0
• Livability +3.9/5.0
• Rent growth +3.8/5.0
• Schools +2.7/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

This 2-bedroom, 1.5-bath home, plus a flex room, offers approximately 1,440 sq ft of potential. The property is sold strictly AS-IS. No repairs will be made by the seller. The home requires a full rehab and is priced accordingly. Bring your vision and tools!

Key facts

• 0.36 acre lot
• Garage
• Built 1960

Property features AI

Finance

• Other: Lot approximately 0.36 acres (dimensions approx. 107 x 152)
• Financial info: No investor or detailed financial information provided
• HOA & community: No community amenities (None listed)

Exterior

• Parking: Attached garage (1 car); Driveway; Off-street parking; Garage faces front
• Security: No security details provided
• Utilities: Public water; Public sewer (sewer connected)
• Home design: Single-family residence; One level
• Construction: Built with other/unspecified construction materials; Block foundation
• Exterior features: Other exterior features (not specified); Shingle roof

Interior

• Kitchen: Eat-in kitchen
• Bedrooms: Total of 5 rooms (configuration not specified)
• Flooring: No flooring details provided
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Central heating; Central electric air conditioning
• Interior features: Eat-in kitchen; Crawl space basement
• Laundry & utility: No specific laundry details provided

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $105k.

Deal economics

• At list price, monthly cash flow is $438 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $105k).
• Cap rate 12.1% vs local median 3.4% in Chattanooga — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 78/100 on livability (#3 in TN, #2,582 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: employment D+, crime F.
• Hamilton County (urban): math 31% / reading 31% proficiency, ranked #42 of 139 in TN (top 30%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: East Brainerd Elementary (math 39% / reading 35%, grade F, #272 of 952 statewide, top 31%, 1,215 students, 0% FRL); Dalewood Middle School (math 7% / reading 7%, grade F, #278 of 333 statewide, top 85%, 258 students, 0% FRL); Brainerd High School (math 2% / reading 12%, grade F, #294 of 332 statewide, top 91%, 635 students, 0% FRL) — zoned schools average 0% FRL vs 52% district-wide (52 pts lower); this property's tenant base skews higher-income than the district average.
• Zoned-school proficiency averages 17% at this address vs 31% district-wide (-14 pts) — the specific schools serving this property underperform the Hamilton County average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising fast (+5.1%/yr); 127 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 2,133 units permitted in Hamilton County in 2024 (405 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $725 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Hamilton County population projected at +23% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 5.1% rent growth), your $29k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 25y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $80k; 31% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $104,900

Questions for the listing agent

1. Built in 1960 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.39% ✓
• Cap rate: 12.06%
• Cash-on-cash: 20.60%
• DSCR: 1.92
• GRM: 6.0

CMA / ARV

• ARV (on-the-fly): $273,600
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2014 Dogwood Dr #21	0.27mi	3/2.0 (+1)	1,462 (+2%)	21mo	$165,000	$113	61
2209 Tunnel Blvd	0.59mi	2/1.0	1,484 (+3%)	12mo	$166,000	$112	55
2234 Doolittle St	0.40mi	3/2.0 (+1)	1,545 (+7%)	11mo	$285,000	$184	53
1659 Jeanaga Trl	0.46mi	3/2.0 (+1)	1,524 (+6%)	14mo	$290,000	$190	50
1532 Lillian Ln	0.68mi	3/1.0 (+1)	1,352 (-6%)	22mo	$259,900	$192	32
1905 Parkway Dr	0.54mi	3/2.5 (+1)	1,267 (-12%)	22mo	$250,000	$197	27

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 5.13% rent growth · sell at horizon

5-year hold

• IRR: 11.8%
• Equity multiple: 1.48×
• Total profit: $14,071
• Equity at exit: $15,641

10-year hold

• IRR: 22.4%
• Equity multiple: 3.11×
• Total profit: $61,832
• Equity at exit: $9,070

Cash invested: $29,372 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Tennessee: 87 Strongly Landlord-Friendly · R+13
• County: — inherits STATE
• City: — inherits STATE

14-day notice (URLTA); generally landlord-favorable; Nashville court paced moderate.

Methodology + full state rankings →

ZIP-level market 37406

• Home prices YoY: -23.8%
• Rents YoY: 5.1%
• Active inventory: 127
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $1,453 high
• Mortgage (P&I): −$550
• Tax from tax record: −$50 /mo · $599/yr
• Insurance: −$44
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$305
• Net cashflow: $438

Break-even live

Break-even rent $899

Max offer price $104,900

Occupancy floor 65%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $26,225
• Closing costs: $3,147
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3715 Rollingwood Dr Chattanooga, TN	3.0	1.5	1200	$1,400	$1.17	23d	1	0.19mi
1635 Dogwood Dr Chattanooga, TN	3.0	1.0	1024	$1,600	$1.56	13d	1	0.55mi
2323 Green Forest Dr Chattanooga, TN	2.0	2.5	1404	$1,750	$1.25	13d	1	0.78mi
1205 Tunnel Blvd Chattanooga, TN	3.0	1.0	1044	$1,350	$1.29	23d	1	1.01mi
907 Sylvan Dr Chattanooga, TN	3.0	2.0	1248	$1,495	$1.20	23d	1	1.03mi
1203 Rockway Dr Unit 2 Chattanooga, TN	2.0	1.0	940	$1,250	$1.33	13d	1	1.13mi
3916 Blanchard St Chattanooga, TN	3.0	2.0	1056	$1,445	$1.37	23d	1	1.20mi
3911 Wilsonia Ave Chattanooga, TN	3.0	1.5	1143	$1,395	$1.22	23d	1	1.22mi
802 Aubrey Ave Unit 1 Chattanooga, TN	3.0	1.5	1248	$1,495	$1.20	13d	1	1.24mi
719 McGowan Ave Chattanooga, TN	1.0	1.0	915	$855	$0.93	13d	1	1.33mi
822 Gillespie Rd Chattanooga, TN	2.0	1.0	1000	$1,550	$1.55	13d	1	1.34mi
2829 New Jersey Ave Chattanooga, TN	3.0	2.0	1120	$1,295	$1.16	13d	1	1.38mi
619 Shannon Ave Chattanooga, TN	2.0	1.0	962	$1,250	$1.30	23d	1	1.45mi
3814 Cherwood Ln Unit B Chattanooga, TN	2.0	1.0	1000	$1,350	$1.35	23d	1	1.47mi
745 Henderson Dr Chattanooga, TN	3.0	2.0	1275	$1,495	$1.17	23d	1	1.49mi

Listing history 2 events

1. 2026-06-14
   remarks 258-char remark
2. 2026-06-14
   listed $104,900 Pending 3 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast TN · Resets to sale price

• Current annual tax: $599 · $50/mo
• Projected year-2 tax: $745 · $62/mo
• Expected delta: +$145/yr (+$12/mo · 24.2%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 10/10 Extreme FEMA zone X (shaded) · 99% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥105°F today · 19 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 10% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,437
• − Mortgage interest: −$5,876
• − Property taxes: −$599
• − Insurance: −$1,322
• − Repairs & maintenance: −$1,395
• − Management: −$1,395
• − Depreciation: −$3,052
• Taxable income: $3,798
• Est. tax owed @ 24.0%: −$911
• After-tax cash flow: $4,341/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Hamilton County
• NCES district ID: 4701590
• Math proficiency: 31% ▼ -10.00%
• Reading proficiency: 31% ▼ -3.00%
• Median HH income: $47,456
• Composite: 26.8/100
• National rank: #7122
• State rank: #42 of 139 in TN

Livability — Chattanooga

• Score: 78/100
• State rank: #3
• US rank: #2582

Category grades

Amenities A+ Commute A+ Cost of living A+ Crime F Employment D+ Housing A+ Health & safety A User ratings C+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Chattanooga, TN
• County: Hamilton County · 312,777 people
• City population: 131,999
• Metro: Chattanooga, TN-GA
• Population (ZIP): 13,364
• Household income: $44,850
• Rent vs Own: 52.8% rent · 47.2% own
• Severe rent burden: 759.0

Population outlook (Hamilton County) Hauer SSP2

• Today (2025): 393,784 people
• By 2030: 412,983 · +4.9%
• By 2040: 449,502 · +14.1%
• By 2050: 484,341 · +23.0%
• By 2075: 565,746 · +43.7%
• By 2100: 618,394 · +57.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (70%)
• Race & ethnicity: Black 70% White 21% Hispanic / Latino 6% Two or more races 5%
• Hispanic origin (detail): Puerto Rican 1%
• Common ancestry: Italian 1% Slovak 1%
• Foreign-born: 5% · Canada
• Languages at home: 92% English-only · Spanish 6% Other Indo-European 1%

Political lean MEDSL · Hamilton

• 2024 margin: R (+13.1) · D 42.7% · R 55.7% · Other 1.6%
• 2008→2024 swing: -1.2pp toward R · 2008: -11.8pp · 2024: -13.1pp
• All cycles: 2024: R+13.1 2020: R+9.7 2016: R+16.6 2012: R+14.8 2008: R+11.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -63.73%
• Current HPI: 203.5858
• Rent YoY: ▲ 5.13%
• Metro: Chattanooga, TN-GA
• State GDP YoY: ▲ 2.78%
• F500 in state: 22

Industry mix (Fortune 500 HQ in TN)

Industry	F500 HQs	Revenue
▸Healthcare	3	$91B
▸Retail	3	$72B
▸Transportation / Logistics	1	$88B
▸Paper / Packaging	1	$19B
▸Insurance	1	$13B
▸Energy	1	$12B

Price history

+123.2% since first listed

6 events — show timeline

• 2026-06-13 Pending — GCAR
• 2026-06-10 Listed $104,900 GCAR
• 2010-04-13 Sold (Public Records) $80,000 Public Records
• 2002-06-14 Sold (Public Records) $67,000 Public Records
• 2001-09-11 Listed $64,900 RCAOR
• 1988-06-16 Sold (Public Records) $47,000 Public Records

Property tax history

+0.7%/yr

Latest (2025): $599 · -16.1% YoY. Source: county tax records.