1110 Glentana St · Chattanooga, TN 30741

$73,900

3 bd · 1.0 ba · 1,122 sqft · SingleFamily · 4 Days on market

Built 1932 Fair condition 0.39 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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Rent growth +4.4/5.0
• Livability +3.9/5.0
• Schools +2.3/10.0
• Condition / age +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Investor special!!! 3BR 1BA 1,122 sq ft. Property being sold ''As-Is''

Key facts

• 0.39 acre lot
• Built 1932
• Listed 4 days

Property features AI

Finance

• Financial info: Tax amount listed (financial details omitted from features)
• HOA & community: No community amenities listed

Exterior

• Parking: Gravel off-street parking
• Security: Fenced yard
• Utilities: Public water; Septic tank sewer; Water connected
• Home design: Single family house; One story; Property listed in fixer condition
• Construction: Wood siding; Block and concrete perimeter foundation
• Exterior features: Front porch; Rear porch; Chain link fencing enclosing front yard; Cleared lot; Metal roof

Interior

• Kitchen: No appliances included
• Bedrooms: Total of 6 rooms (bedroom count not specified)
• Flooring: Carpet; Linoleum
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (electric); Central air conditioning (electric)
• Interior features: Storm windows; No built-in appliances
• Laundry & utility: Washer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $74k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $500 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $74k).
• Cap rate 15.5% 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.
• Walker County (rural): math 25% / reading 29% proficiency, ranked #114 of 174 in GA (top 66%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Rossville Elementary School (math 22% / reading 17%, grade F, #878 of 1,228 statewide, top 75%, 416 students, 91% FRL); Rossville Middle School (math 13% / reading 25%, grade F, #368 of 470 statewide, top 79%, 444 students, 81% FRL); Ridgeland High School (math 23% / reading 19%, grade F, #225 of 424 statewide, top 54%, 1,244 students, 70% FRL) — zoned schools average 81% FRL vs 61% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+7.4%/yr); 21 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 347 units permitted in Walker County in 2024 (24 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $511 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Walker County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 7.4% rent growth), your $21k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts 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.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo; built in 1932 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $73,900

Questions for the listing agent

1. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
2. Built in 1932 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 1.84% ✓
• Cap rate: 15.48%
• Cash-on-cash: 32.83%
• DSCR: 2.46
• GRM: 4.5

CMA / ARV

• ARV (on-the-fly): $186,252
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1313 Raydine Ln	0.46mi	2/1.0 (-1)	1,084 (-3%)	0mo	$179,900	$166	68
1306 Raydine Ln	0.42mi	3/1.5	1,056 (-6%)	9mo	$195,875	$185	61
210 Betsy Ln	0.65mi	3/2.0	1,120 (-0%)	6mo	$52,500	$47	60
1300 W Sherry Dr	0.37mi	3/2.0	1,248 (+11%)	2mo	$257,900	$207	58
1320 W Sherry Dr	0.51mi	3/1.0	1,056 (-6%)	14mo	$173,000	$164	55
804 Cherokee Trl	0.73mi	3/1.0	1,148 (+2%)	12mo	$182,500	$159	52
213 Glenn Wade Dr	0.60mi	3/2.0	1,240 (+10%)	1mo	$244,900	$198	50
1102 Indian Ave	0.72mi	3/2.0	1,169 (+4%)	11mo	$245,000	$210	46
629 James St	0.56mi	4/2.0 (+1)	1,204 (+7%)	16mo	$212,000	$176	39
1437 Wilson Rd	0.74mi	3/1.0	1,191 (+6%)	20mo	$110,000	$92	39
505 Carden Ave	0.74mi	3/1.0	980 (-13%)	9mo	$157,000	$160	36
802 Indian Ave	0.65mi	2/1.0 (-1)	976 (-13%)	9mo	$107,000	$110	35

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 · 7.44% rent growth · sell at horizon

5-year hold

• IRR: 28.6%
• Equity multiple: 2.27×
• Total profit: $26,265
• Equity at exit: $11,019

10-year hold

• IRR: 38.7%
• Equity multiple: 5.48×
• Total profit: $92,702
• Equity at exit: $6,390

Cash invested: $20,692 (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 30741

• Home prices YoY: -30.7%
• Rents YoY: 7.4%
• Price-to-rent: 4.5×

Monthly cashflow live

• Estimated rent: $1,363 high
• Mortgage (P&I): −$388
• Tax est. 1.5%: −$92 /mo · $1,108/yr
• Insurance: −$31
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$286
• Net cashflow: $500

Break-even live

Break-even rent $731

Max offer price $73,900

Occupancy floor 58%

Sensitivity live

Price	-10% $551	-5% $525	+0% $500	+5% $474	+10% $448
Rent	-10% $392	-5% $446	+0% $500	+5% $553	+10% $607
Rate	-1.0pp $537	-0.5pp $518	base $500	+0.5pp $480	+1.0pp $461

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: $18,475
• Closing costs: $2,217
• Reserves months: —
• Total cash needed: —

Rent comps 21 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1007 Glentana St Lot 62 Rossville, GA	2.0	2.0	840	$35,995	$42.85	45d	1	0.22mi
1422 Wilson Rd Rossville, GA	2.0	1.0	885	$1,050	$1.19	45d	1	0.66mi
1422 Wilson Rd Rossville, GA	2.0	1.0	885	$1,050	$1.19	25d	1	0.66mi
817 Henderson Ave Rossville, GA	2.0	1.0	844	$1,150	$1.36	15d	1	0.72mi
804 Henderson Ave Rossville, GA	2.0	1.0	948	$1,025	$1.08	15d	1	0.74mi
505 Flegal Ave Rossville, GA	2.0	1.0	768	$1,050	$1.37	25d	1	0.82mi
706 Roberta Dr Unit D Rossville, GA	2.0	1.0	950	$1,099	$1.16	25d	1	0.83mi
304 Cherry St Rossville, GA	2.0	1.0	982	$1,675	$1.71	45d	1	0.85mi
5505 Central Ave Chattanooga, TN	3.0	2.0	1050	$1,725	$1.64	23d	1	0.87mi
5200 Fagan St Chattanooga, TN	3.0	1.0	816	$1,350	$1.65	25d	1	0.87mi
5238 Dorsey St Unit A Chattanooga, TN	2.0	1.0	839	$950	$1.13	25d	1	0.88mi
1512 Wilson Rd Rossville, GA	3.0	1.5	1100	$1,295	$1.18	25d	1	0.90mi
1512 Wilson Rd Rossville, GA	3.0	1.5	1100	$1,250	$1.14	15d	1	0.90mi
515 W Gordon Ave Rossville, GA	2.0	1.0	906	$999	$1.10	45d	1	0.94mi
108 Suggs St Rossville, GA	2.0	1.0	900	$1,525	$1.69	15d	1	0.95mi
1409 E 50th St Chattanooga, TN	3.0	2.5	1350	$1,599	$1.18	15d	1	1.09mi
200A E Oak St Unit B Rossville, GA	3.0	2.0	1200	$1,200	$1.00	15d	1	1.14mi
104 Foster St Rossville, GA	3.0	2.0	1200	$1,599	$1.33	45d	1	1.16mi
110 2nd St Rossville, GA	3.0	2.0	1168	$1,399	$1.20	15d	1	1.26mi
4905 Central Ave Chattanooga, TN	2.0–3.0	2.0	1169	$637	$0.54	15d	2	1.26mi
107 Stegall St Rossville, GA	2.0	1.5	986	$1,149	$1.17	15d	1	1.27mi

Listing history 5 events

1. 2026-06-10
   status $73,900 Pending 4 DOM
2. 2026-06-09
   days on market $73,900 Active 4 DOM
3. 2026-06-08
   days on market $73,900 Active 3 DOM
4. 2026-06-07
   remarks 70-char remark
5. 2026-06-07
   listed $73,900 Active 2 DOM

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

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone X (unshaded) · 77% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥104°F today · 21 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 11% 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: $16,355
• − Mortgage interest: −$4,140
• − Property taxes: −$1,108
• − Insurance: −$1,167
• − Repairs & maintenance: −$1,308
• − Management: −$1,308
• − Depreciation: −$2,150
• Taxable income: $5,174
• Est. tax owed @ 24.0%: −$1,242
• After-tax cash flow: $4,753/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.

Condition & rehab AI · 11 photos

Fair 45/100 Moderate rehab

This single-family home requires moderate renovations to its kitchen and bathroom, along with exterior painting and landscaping to improve its value and appeal to buyers and renters.

Repairs flagged

• Major kitchen cabinets — poor condition
• Major kitchen countertops — poor condition
• Major bathroom fixtures — dated and worn
• Major flooring — damaged and worn

Value-add opportunities

• Both kitchen renovation — modernizing the kitchen would appeal to buyers and renters
• Both bathroom renovation — upgrading the bathroom would attract buyers and renters
• Both exterior painting — fresh paint would improve curb appeal and home value
• Both landscaping — trimmed and landscaped yard would enhance curb appeal and attract buyers

Renovation cost estimate screening

Repair item	Severity	Est. cost
kitchen cabinets · poor condition	Major	$15,000–50,000
kitchen countertops · poor condition	Major	$15,000–50,000
bathroom fixtures · dated and worn	Major	$15,000–50,000
flooring · damaged and worn	Major	$15,000–50,000
Total estimated repair cost · 4 items		$60,000–200,000

Value-add ROI direction

• Both kitchen renovation — modernizing the kitchen would appeal to buyers and renters ↑
• Both bathroom renovation — upgrading the bathroom would attract buyers and renters ↑
• Both exterior painting — fresh paint would improve curb appeal and home value ↑
• Both landscaping — trimmed and landscaped yard would enhance curb appeal and attract buyers ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Walker County
• NCES district ID: 1305370
• Math proficiency: 25% ▼ -10.00%
• Reading proficiency: 29% ▼ -10.00%
• Median HH income: $39,889
• Composite: 22.74/100
• National rank: #8035
• State rank: #114 of 174 in GA

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

• County: Walker County
• City population: 131,999
• Metro: Chattanooga, TN-GA
• Population (ZIP): 30,041
• Household income: $58,834
• Rent vs Own: 32.3% rent · 67.7% own
• Severe rent burden: 834.0

Population outlook (Walker County) Hauer SSP2

• Today (2025): 66,050 people
• By 2030: 64,305 · -2.6%
• By 2040: 60,127 · -9.0%
• By 2050: 55,551 · -15.9%
• By 2075: 44,886 · -32.0%
• By 2100: 34,015 · -48.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Black 5% Two or more races 5% Hispanic / Latino 5%
• Common ancestry: Slovak 3% Iranian 2% Italian 1%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Spanish 3%

Political lean MEDSL · Walker

• 2024 margin: Solid R (+59.3) · D 20.1% · R 79.4%
• 2008→2024 swing: -12.5pp toward R · 2008: -46.8pp · 2024: -59.3pp
• All cycles: 2024: R+59.3 2020: R+59.3 2016: R+61.5 2012: R+50.2 2008: R+46.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -118.05%
• Current HPI: 267.0047
• Rent YoY: ▲ 7.44%
• 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

+0.0% since first listed

2 events — show timeline

• 2026-06-02 Listed $73,900 GAMLS
• 2026-06-02 Listed $73,900 GCAR