6915 Sentinel Ln · Harrison, TN 37341

$370,000

4 bd · 3.0 ba · 1,978 sqft · SingleFamily public records · 95 Days on market

Built 2022 0.43 ac lot Est $370k · at est.

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Why this score? — see what drove the D 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 +14.5/30.0
• ARV discount +7.5/15.0
• DSCR +4.4/10.0
• Livability +3.2/5.0
• 1% rule +2.9/10.0
• Schools +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Walk into this charming open floor plan with a large kitchen and vaulted ceiling. Kitchen features an island and granite countertops, as well as stainless steel appliances. This home has the master bedroom on the main level with a custom tile shower & walk in closet. The split floor plan allows for privacy and ideal spacing for the other 2 guest bedrooms. Head downstairs and enjoy a finished out basement. There is a family room with a full bathroom and a separate bedroom. Ideal for an in law suite or a college student needing their space. Schedule an appointment and make this better than new home yours today!

Key facts

• 0.43 acre lot
• Garage
• Built 2022

Property features AI

Finance

• Other: Lot approximately 0.43 acres (dimensions ~104.83 x 202.24)
• Financial info: Public maintained road access
• HOA & community: Community features: Other

Exterior

• Parking: Attached garage (1 car); Concrete driveway; Gravel parking
• Security: Closed-circuit cameras; Secured garage/parking
• Utilities: Public water; Septic tank; Electricity connected; Cable available; Water connected
• Home design: Single family house; Two levels
• Construction: Vinyl siding; Shingle roof; Block foundation; Built as a residential single-family home
• Exterior features: Balcony; Deck; Rain gutters; Back yard; Private lot; Sloped-down lot

Interior

• Kitchen: Stainless steel appliances; Refrigerator; Microwave; Electric range; Dishwasher; Disposal
• Bedrooms: Total rooms: 10
• Flooring: Ceramic tile; Vinyl
• Bathrooms: 3 full bathrooms
• Heating & cooling: Central heating; Ductless heating/air; Electric heating; Central air; Zoned cooling
• Interior features: Granite counters; Kitchen island; Vaulted ceilings; High-speed internet available; Wired for data; Double pane windows
• Laundry & utility: Dedicated laundry room; Finished basement with crawl space

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $370k.

Deal economics

• At list price, monthly cash flow is $81 ($974/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $291k (21.4% below list).
• Recommended offer: $291k (21.4% below list) — sets the bar for 1% rule.
• Cap rate 6.6% vs local median 3.9% in Harrison — 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 65/100 on livability (#139 in TN) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment B+; Watch: amenities F, commute F, health & safety 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: Harrison Elementary (math 20% / reading 19%, grade F, #654 of 952 statewide, top 72%, 1,013 students, 0% FRL); Brown Middle School (math 14% / reading 15%, grade F, #231 of 333 statewide, top 70%, 344 students, 0% FRL); Central High School (math 8% / reading 32%, grade F, #183 of 332 statewide, top 59%, 749 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 18% at this address vs 31% district-wide (-13 pts) — the specific schools serving this property underperform the Hamilton County average; the district grade overstates school quality for this exact location.
• Market conditions: 123 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 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 $3k of loan paydown is wiped out by about $11k 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.

Negotiation context

• It's been on market 95 days — a 9% lower offer ($337k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 4y ago; this cycle's ask has dropped $30k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $290,912 (21.4% below list)

Questions for the listing agent

1. It's been on market 95 days. Have you received any prior offers? Is the seller open to a 21% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.79% ✗
• Cap rate: 6.56%
• Cash-on-cash: 0.94%
• DSCR: 1.04
• GRM: 10.6

CMA / ARV

• ARV (on-the-fly): $369,886
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6227 Rim Ridge Ct	0.41mi	4/2.5	2,111 (+7%)	7mo	$337,500	$160	62
6039 Porter Dr	0.34mi	3/2.5 (-1)	1,748 (-12%)	2mo	$366,500	$210	56
5800 Old Fort Ln	0.31mi	3/2.5 (-1)	1,768 (-11%)	19mo	$270,000	$153	45
6903 Deerwood Dr	0.27mi	3/2.0 (-1)	1,718 (-13%)	15mo	$321,000	$187	44

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -14.9%
• Equity multiple: 0.47×
• Total profit: $-54,949
• Equity at exit: $55,168

10-year hold

• IRR: -6.3%
• Equity multiple: 0.60×
• Total profit: $-41,859
• Equity at exit: $31,991

Cash invested: $103,600 (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 37341

• Active inventory: 123
• Price-to-rent: 10.6×

Monthly cashflow live

• Estimated rent: $2,909 medium
• Mortgage (P&I): −$1,940
• Tax from tax record: −$123 /mo · $1,470/yr
• Insurance: −$154
• HOA: −$0
• Vacancy / Maint / Mgmt: −$611
• Net cashflow: $81

Break-even live

Break-even rent $2,806

Max offer price $370,000

Occupancy floor 92%

Sensitivity live

Price	-10% $291	-5% $186	+0% $81	+5% $-24	+10% $-128
Rent	-10% $-149	-5% $-34	+0% $81	+5% $196	+10% $311
Rate	-1.0pp $268	-0.5pp $175	base $81	+0.5pp $-15	+1.0pp $-112

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: $92,500
• Closing costs: $11,100
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6383 Rim Crest Ln Harrison, TN	4.0	2.5	2068	$2,395	$1.16	16d	1	0.70mi
6969 Mercedes Ln Ooltewah, TN	3.0	2.5	2100	$4,000	$1.90	25d	1	1.45mi

Listing history 20 events

1. 2026-06-02
   status $370,000 Pending 95 DOM
2. 2026-06-01
   days on market $370,000 Active 95 DOM
3. 2026-05-31
   days on market $370,000 Active 94 DOM
4. 2026-05-30
   days on market $370,000 Active 93 DOM
5. 2026-05-03
   price $370,000
6. 2026-04-22
   price $380,000
7. 2026-04-03
   price $390,000
8. 2026-03-24
   price $399,000
9. 2026-02-26
   listed $400,000 Active
10. 2026-02-17
    historical $400,000
11. 2025-02-03
    soldstatus $365,000
12. 2025-01-30
    soldstatus $365,000 Closed 622-char remark

    Show marketing remark (620 chars)

    Walk into this charming open floor plan with a large kitchen and vaulted ceiling. Kitchen features an island and granite countertops, as well as stainless steel appliances. This home has the master bedroom on the main level with a custom tile shower & walk in closet. The split floor plan allows for privacy and ideal spacing for the other 2 guest bedrooms. Head downstairs and enjoy a finished out basement. There is a family room with a full bathroom and a separate bedroom. Ideal for an in law suite or a college student needing their space. Schedule an appointment and make this better than new home yours today!

13. 2025-01-30
    soldstatus $365,000 620-char remark

    Show marketing remark (620 chars)

    Walk into this charming open floor plan with a large kitchen and vaulted ceiling. Kitchen features an island and granite countertops, as well as stainless steel appliances. This home has the master bedroom on the main level with a custom tile shower & walk in closet. The split floor plan allows for privacy and ideal spacing for the other 2 guest bedrooms. Head downstairs and enjoy a finished out basement. There is a family room with a full bathroom and a separate bedroom. Ideal for an in law suite or a college student needing their space. Schedule an appointment and make this better than new home yours today!

14. 2024-12-27
    historical Active Under Contract 622-char remark

    Show marketing remark (622 chars)

    Walk into this charming open floor plan with a large kitchen and vaulted ceiling. Kitchen features an island and granite countertops, as well as stainless steel appliances. This home has the master bedroom on the main level with a custom tile shower & walk in closet. The split floor plan allows for privacy and ideal spacing for the other 2 guest bedrooms. Head downstairs and enjoy a finished out basement. There is a family room with a full bathroom and a separate bedroom. Ideal for an in law suite or a college student needing their space. Schedule an appointment and make this better than new home yours today!

15. 2024-10-24
    listed $375,000 Active 622-char remark

    Show marketing remark (622 chars)

    Walk into this charming open floor plan with a large kitchen and vaulted ceiling. Kitchen features an island and granite countertops, as well as stainless steel appliances. This home has the master bedroom on the main level with a custom tile shower & walk in closet. The split floor plan allows for privacy and ideal spacing for the other 2 guest bedrooms. Head downstairs and enjoy a finished out basement. There is a family room with a full bathroom and a separate bedroom. Ideal for an in law suite or a college student needing their space. Schedule an appointment and make this better than new home yours today!

16. 2022-12-14
    soldstatus $278,000
17. 2022-12-08
    soldstatus $278,000 Closed
18. 2022-12-08
    soldstatus $278,000
19. 2022-10-06
    historical Contingent
20. 2022-10-04
    listed $269,000 Active

ⓘ 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: $1,470 · $123/mo
• Projected year-2 tax: $2,627 · $219/mo
• Expected delta: +$1,157/yr (+$96/mo · 78.7%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 5/10 Major 7 d/yr ≥104°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 · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $34,909
• − Mortgage interest: −$20,726
• − Property taxes: −$1,470
• − Insurance: −$1,850
• − Repairs & maintenance: −$2,793
• − Management: −$2,793
• − Depreciation: −$10,764
• Taxable loss: −$5,486
• Est. tax savings @ 24.0%: +$1,317
• After-tax cash flow: $2,291/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 — Harrison

• Score: 65/100
• State rank: #139
• US rank: #12687

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Harrison, TN
• Population (ZIP): 14,966

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 White (75%)
• Race & ethnicity: White 75% Black 13% Two or more races 8% Hispanic / Latino 3%
• Common ancestry: Lithuanian 3% Italian 3% Romanian 2%
• Foreign-born: 3% · Canada
• Languages at home: 98% English-only · French/Haitian/Cajun 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: ▼ -261.59%
• Current HPI: 275.5006
• Rent YoY: —
• Metro: —
• 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

+37.5% since first listed

16 events — show timeline

• 2026-05-03 Price Changed $370,000 GCAR
• 2026-04-22 Price Changed $380,000 GCAR
• 2026-04-03 Price Changed $390,000 GCAR
• 2026-03-24 Price Changed $399,000 GCAR
• 2026-02-26 Listed $400,000 GCAR
• 2026-02-17 Coming Soon $400,000 GCAR
• 2025-02-03 Sold (Public Records) $365,000 Public Records
• 2025-01-30 Sold (MLS) $365,000 REALTRACS as Distributed by MLS Grid
• 2025-01-30 Sold (MLS) $365,000 GCAR
• 2024-12-27 Contingent — GCAR
• 2024-10-24 Listed $375,000 GCAR
• 2022-12-14 Sold (Public Records) $278,000 Public Records
• 2022-12-08 Sold (MLS) $278,000 REALTRACS as Distributed by MLS Grid
• 2022-12-08 Sold (MLS) $278,000 GCAR
• 2022-10-06 Contingent — GCAR
• 2022-10-04 Listed $269,000 GCAR

Property tax history

+6.5%/yr

Latest (2025): $1,470 · +776.1% YoY. Source: county tax records.