CashFlowRE
Sign in Sign up
1600/1610 Chippewa Ave SE
F Composite 23.24
Why this score? — see what drove the F 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).

  • ARV discount +7.5/15.0
  • Cash flow +4.4/30.0
  • Livability +3.5/5.0
  • Rent growth +3.2/5.0
  • Condition / age +2.5/5.0
  • Schools +2.1/10.0
  • 1% rule +0.0/10.0
  • DSCR +0.0/10.0
  • Appreciation +0.0/10.0

$245,000

1600/1610 Chippewa Ave SE · Cleveland, TN 37311
1 bd · 1.0 ba · 378 sqft · SingleFamily public records · 454 Days on market
Built 1990 0.38 ac lot

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Turnkey Investment Portfolio - Fully Leased Multi-Building Property | Downtown Cleveland, TN Rental income opportunity in the heart of Downtown Cleveland, Tennessee. This fully leased multi-building property sits on a corner lot with access to city utilities and recent upgrades throughout. Recent renovations include: • Newer roofs • Updated plumbing • Fresh interior and exterior paint. Currently generating $3,000/month in rental income, this property offers immediate cash flow and long-term upside in a rapidly growing market. Property Highlights: • Fully leased with $3,000/month rental income • City utilities (water, sewer, electric) • Convenient downtown location near shopping, dining, Greenway and public services • Ideal for investors seeking stabilized income with value-add potential. Don't miss this turnkey investment in one of Tennessee's fastest-growing regions.

Key facts

  • Newer roofs
  • Recent renovations
  • Corner lot location

Tags

NEWER ROOFSRECENT RENOVATIONSCORNER LOT LOCATIONHEART OF DOWNTOWN CLEVELAND

Property features AI

Finance

  • Financial info: Property condition: fixer; Actual rents reported for units (examples): $600, $1,100, $600, $560, $600, $560, $600, $1,100
  • HOA & community: No community features listed

Exterior

  • Parking: Paved parking
  • Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected
  • Home design: Residential income property (quadruplex); One level
  • Construction: Shingle roof; Other construction materials; Foundation: see remarks
  • Exterior features: Front porch; No additional exterior features listed

Interior

  • Kitchen: Electric water heater
  • Flooring: Laminate flooring
  • Bathrooms: 4 full bathrooms
  • Heating & cooling: Electric heating; Window unit cooling
  • Interior features: Eat-in kitchen; See remarks
  • Laundry & utility: Laundry: see remarks

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 1-bed/1.0-bath single-family listed at $245k.

Deal economics

  • At list price, monthly cash flow is $-645 ($-8k/yr) — negative.
  • To cash-flow at today's rent, offer at most $131k (46.5% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $99k (59.5% below list).
  • Recommended offer: $99k (59.5% below list) — sets the bar for 1% rule.

Location & tenants

  • Location reads 70/100 on livability (#55 in TN) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A; Watch: employment D, crime F, amenities F.
  • Cleveland (urban): math 23% / reading 28% proficiency, ranked #85 of 139 in TN (top 61%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
  • Zoned schools: Blythe-Bower Elementary (math 16% / reading 20%, grade F, #697 of 952 statewide, top 74%, 636 students, 0% FRL); Cleveland Middle (math 25% / reading 26%, grade F, #147 of 333 statewide, top 45%, 1,271 students, 0% FRL); Cleveland High (math 8% / reading 29%, grade F, #208 of 332 statewide, top 63%, 1,842 students, 0% FRL) — zoned schools average 0% FRL vs 53% district-wide (53 pts lower); this property's tenant base skews higher-income than the district average.
  • Market conditions: Rents rising (+3.0%/yr); 200 active listings in the ZIP; 768 units permitted in Bradley County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
  • Bradley County population projected at +21% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 454 days — a 12% lower offer ($216k) is reasonable based on typical stale-listing flexibility.
  • 12 sale attempts since 3y 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 $55k; list at $245k implies a 345% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Climate carrying-cost: major 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 $99,114 (59.5% below list)

Questions for the listing agent

  1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
  2. It's been on market 454 days. Have you received any prior offers? Is the seller open to a 60% concession, seller financing, or rate buy-down credit?
  3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. Schools are D-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. 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?
  8. 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.
  9. 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.
  10. 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
0.40%
Cap rate
3.13%
Cash-on-cash
-11.28%
DSCR
0.50
GRM
20.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.95% rent growth · sell at horizon

5-year hold
IRR
-37.1%
Equity multiple
-0.18×
Total profit
$-80,967
Equity at exit
$36,530
10-year hold
IRR
-54.2%
Equity multiple
-0.81×
Total profit
$-124,192
Equity at exit
$21,183

Cash invested: $68,600 (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.

ZIP-level market 37311

Home prices YoY
-25.4%
Rents YoY
3.0%
Active inventory
200
Price-to-rent
20.6×

Monthly cashflow live

Estimated rent
$991 medium interval (Pro) →
Mortgage (P&I)
$1,285
Tax from tax record
$41 /mo · $491/yr
Insurance
$102
HOA
$0
Vacancy / Maint / Mgmt
$208
Net cashflow
$-645

Break-even live

Break-even rent $1,807
Max offer price $131,092
Occupancy floor

Sensitivity live

Price -10% $-506 -5% $-575 +0% $-645 +5% $-995 +10% $-1,079
Rent -10% $-723 -5% $-684 +0% $-645 +5% $-606 +10% $-567
Rate -1.0pp $-521 -0.5pp $-582 base $-645 +0.5pp $-708 +1.0pp $-773

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
$61,250
Closing costs
$7,350
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Listing history 46 events

  1. 2026-06-22
    days on market $245,000 Active 454 DOM
  2. 2026-06-19
    days on market $245,000 Active 452 DOM
  3. 2026-06-18
    days on market $245,000 Active 451 DOM
  4. 2026-06-17
    days on market $245,000 Active 450 DOM
  5. 2026-06-17
    remarks 689-char remark
  6. 2026-06-16
    days on market $245,000 Active 449 DOM
  7. 2026-06-15
    days on market $245,000 Active 448 DOM
  8. 2026-06-14
    days on market $245,000 Active 446 DOM
  9. 2026-06-13
    days on market $245,000 Active 445 DOM
  10. 2026-06-10
    days on market $245,000 Active 443 DOM
  11. 2026-06-09
    days on market $245,000 Active 442 DOM
  12. 2026-06-08
    days on market $245,000 Active 441 DOM
  13. 2026-06-07
    days on market $245,000 Active 440 DOM
  14. 2026-06-05
    days on market $245,000 Active 437 DOM
  15. 2026-06-03
    days on market $245,000 Active 436 DOM
  16. 2026-06-02
    days on market $245,000 Active 435 DOM
  17. 2026-06-01
    days on market $245,000 Active 434 DOM
  18. 2026-05-31
    days on market $245,000 Active 433 DOM
  19. 2026-05-30
    days on market $245,000 Active 432 DOM
  20. 2025-09-10
    status Active
    Show marketing remark (923 chars)

    Turnkey Investment Portfolio - Fully Leased Multi-Building Property | Downtown Cleveland, TN Rental income opportunity in the heart of Downtown Cleveland, Tennessee. This fully leased multi-building property sits on a corner lot with access to city utilities and recent upgrades throughout. Recent renovations include: • Newer roofs • Updated plumbing • Fresh interior and exterior paint. Currently generating $3,000/month in rental income, this property offers immediate cash flow and long-term upside in a rapidly growing market. Property Highlights: • Fully leased with $3,000/month rental income • City utilities (water, sewer, electric) • Convenient downtown location near shopping, dining, Greenway and public services • Ideal for investors seeking stabilized income with value-add potential. Don't miss this turnkey investment in one of Tennessee's fastest-growing regions.

  21. 2025-09-10
    status Active 923-char remark
    Show marketing remark (923 chars)

    Turnkey Investment Portfolio - Fully Leased Multi-Building Property | Downtown Cleveland, TN Rental income opportunity in the heart of Downtown Cleveland, Tennessee. This fully leased multi-building property sits on a corner lot with access to city utilities and recent upgrades throughout. Recent renovations include: • Newer roofs • Updated plumbing • Fresh interior and exterior paint. Currently generating $3,000/month in rental income, this property offers immediate cash flow and long-term upside in a rapidly growing market. Property Highlights: • Fully leased with $3,000/month rental income • City utilities (water, sewer, electric) • Convenient downtown location near shopping, dining, Greenway and public services • Ideal for investors seeking stabilized income with value-add potential. Don't miss this turnkey investment in one of Tennessee's fastest-growing regions.

  22. 2025-08-27
    status Pending
    Show marketing remark (923 chars)

    Turnkey Investment Portfolio - Fully Leased Multi-Building Property | Downtown Cleveland, TN Rental income opportunity in the heart of Downtown Cleveland, Tennessee. This fully leased multi-building property sits on a corner lot with access to city utilities and recent upgrades throughout. Recent renovations include: • Newer roofs • Updated plumbing • Fresh interior and exterior paint. Currently generating $3,000/month in rental income, this property offers immediate cash flow and long-term upside in a rapidly growing market. Property Highlights: • Fully leased with $3,000/month rental income • City utilities (water, sewer, electric) • Convenient downtown location near shopping, dining, Greenway and public services • Ideal for investors seeking stabilized income with value-add potential. Don't miss this turnkey investment in one of Tennessee's fastest-growing regions.

  23. 2025-08-27
    historical Active Under Contract 923-char remark
    Show marketing remark (923 chars)

    Turnkey Investment Portfolio - Fully Leased Multi-Building Property | Downtown Cleveland, TN Rental income opportunity in the heart of Downtown Cleveland, Tennessee. This fully leased multi-building property sits on a corner lot with access to city utilities and recent upgrades throughout. Recent renovations include: • Newer roofs • Updated plumbing • Fresh interior and exterior paint. Currently generating $3,000/month in rental income, this property offers immediate cash flow and long-term upside in a rapidly growing market. Property Highlights: • Fully leased with $3,000/month rental income • City utilities (water, sewer, electric) • Convenient downtown location near shopping, dining, Greenway and public services • Ideal for investors seeking stabilized income with value-add potential. Don't miss this turnkey investment in one of Tennessee's fastest-growing regions.

  24. 2025-08-07
    status Active
    Show marketing remark (923 chars)

    Turnkey Investment Portfolio - Fully Leased Multi-Building Property | Downtown Cleveland, TN Rental income opportunity in the heart of Downtown Cleveland, Tennessee. This fully leased multi-building property sits on a corner lot with access to city utilities and recent upgrades throughout. Recent renovations include: • Newer roofs • Updated plumbing • Fresh interior and exterior paint. Currently generating $3,000/month in rental income, this property offers immediate cash flow and long-term upside in a rapidly growing market. Property Highlights: • Fully leased with $3,000/month rental income • City utilities (water, sewer, electric) • Convenient downtown location near shopping, dining, Greenway and public services • Ideal for investors seeking stabilized income with value-add potential. Don't miss this turnkey investment in one of Tennessee's fastest-growing regions.

  25. 2025-08-07
    status Active 923-char remark
    Show marketing remark (923 chars)

    Turnkey Investment Portfolio - Fully Leased Multi-Building Property | Downtown Cleveland, TN Rental income opportunity in the heart of Downtown Cleveland, Tennessee. This fully leased multi-building property sits on a corner lot with access to city utilities and recent upgrades throughout. Recent renovations include: • Newer roofs • Updated plumbing • Fresh interior and exterior paint. Currently generating $3,000/month in rental income, this property offers immediate cash flow and long-term upside in a rapidly growing market. Property Highlights: • Fully leased with $3,000/month rental income • City utilities (water, sewer, electric) • Convenient downtown location near shopping, dining, Greenway and public services • Ideal for investors seeking stabilized income with value-add potential. Don't miss this turnkey investment in one of Tennessee's fastest-growing regions.

  26. 2025-07-28
    status Pending
    Show marketing remark (923 chars)

    Turnkey Investment Portfolio - Fully Leased Multi-Building Property | Downtown Cleveland, TN Rental income opportunity in the heart of Downtown Cleveland, Tennessee. This fully leased multi-building property sits on a corner lot with access to city utilities and recent upgrades throughout. Recent renovations include: • Newer roofs • Updated plumbing • Fresh interior and exterior paint. Currently generating $3,000/month in rental income, this property offers immediate cash flow and long-term upside in a rapidly growing market. Property Highlights: • Fully leased with $3,000/month rental income • City utilities (water, sewer, electric) • Convenient downtown location near shopping, dining, Greenway and public services • Ideal for investors seeking stabilized income with value-add potential. Don't miss this turnkey investment in one of Tennessee's fastest-growing regions.

  27. 2025-07-28
    historical Active Under Contract 923-char remark
    Show marketing remark (923 chars)

    Turnkey Investment Portfolio - Fully Leased Multi-Building Property | Downtown Cleveland, TN Rental income opportunity in the heart of Downtown Cleveland, Tennessee. This fully leased multi-building property sits on a corner lot with access to city utilities and recent upgrades throughout. Recent renovations include: • Newer roofs • Updated plumbing • Fresh interior and exterior paint. Currently generating $3,000/month in rental income, this property offers immediate cash flow and long-term upside in a rapidly growing market. Property Highlights: • Fully leased with $3,000/month rental income • City utilities (water, sewer, electric) • Convenient downtown location near shopping, dining, Greenway and public services • Ideal for investors seeking stabilized income with value-add potential. Don't miss this turnkey investment in one of Tennessee's fastest-growing regions.

  28. 2025-04-01
    status Active 923-char remark
    Show marketing remark (923 chars)

    Turnkey Investment Portfolio - Fully Leased Multi-Building Property | Downtown Cleveland, TN Rental income opportunity in the heart of Downtown Cleveland, Tennessee. This fully leased multi-building property sits on a corner lot with access to city utilities and recent upgrades throughout. Recent renovations include: • Newer roofs • Updated plumbing • Fresh interior and exterior paint. Currently generating $3,000/month in rental income, this property offers immediate cash flow and long-term upside in a rapidly growing market. Property Highlights: • Fully leased with $3,000/month rental income • City utilities (water, sewer, electric) • Convenient downtown location near shopping, dining, Greenway and public services • Ideal for investors seeking stabilized income with value-add potential. Don't miss this turnkey investment in one of Tennessee's fastest-growing regions.

  29. 2025-04-01
    status Active
    Show marketing remark (923 chars)

    Turnkey Investment Portfolio - Fully Leased Multi-Building Property | Downtown Cleveland, TN Rental income opportunity in the heart of Downtown Cleveland, Tennessee. This fully leased multi-building property sits on a corner lot with access to city utilities and recent upgrades throughout. Recent renovations include: • Newer roofs • Updated plumbing • Fresh interior and exterior paint. Currently generating $3,000/month in rental income, this property offers immediate cash flow and long-term upside in a rapidly growing market. Property Highlights: • Fully leased with $3,000/month rental income • City utilities (water, sewer, electric) • Convenient downtown location near shopping, dining, Greenway and public services • Ideal for investors seeking stabilized income with value-add potential. Don't miss this turnkey investment in one of Tennessee's fastest-growing regions.

  30. 2025-03-16
    historical Active Under Contract 923-char remark
    Show marketing remark (923 chars)

    Turnkey Investment Portfolio - Fully Leased Multi-Building Property | Downtown Cleveland, TN Rental income opportunity in the heart of Downtown Cleveland, Tennessee. This fully leased multi-building property sits on a corner lot with access to city utilities and recent upgrades throughout. Recent renovations include: • Newer roofs • Updated plumbing • Fresh interior and exterior paint. Currently generating $3,000/month in rental income, this property offers immediate cash flow and long-term upside in a rapidly growing market. Property Highlights: • Fully leased with $3,000/month rental income • City utilities (water, sewer, electric) • Convenient downtown location near shopping, dining, Greenway and public services • Ideal for investors seeking stabilized income with value-add potential. Don't miss this turnkey investment in one of Tennessee's fastest-growing regions.

  31. 2025-03-16
    historical Active Under Contract
    Show marketing remark (923 chars)

    Turnkey Investment Portfolio - Fully Leased Multi-Building Property | Downtown Cleveland, TN Rental income opportunity in the heart of Downtown Cleveland, Tennessee. This fully leased multi-building property sits on a corner lot with access to city utilities and recent upgrades throughout. Recent renovations include: • Newer roofs • Updated plumbing • Fresh interior and exterior paint. Currently generating $3,000/month in rental income, this property offers immediate cash flow and long-term upside in a rapidly growing market. Property Highlights: • Fully leased with $3,000/month rental income • City utilities (water, sewer, electric) • Convenient downtown location near shopping, dining, Greenway and public services • Ideal for investors seeking stabilized income with value-add potential. Don't miss this turnkey investment in one of Tennessee's fastest-growing regions.

  32. 2025-02-24
    listed $245,000 Active
    Show marketing remark (923 chars)

    Turnkey Investment Portfolio - Fully Leased Multi-Building Property | Downtown Cleveland, TN Rental income opportunity in the heart of Downtown Cleveland, Tennessee. This fully leased multi-building property sits on a corner lot with access to city utilities and recent upgrades throughout. Recent renovations include: • Newer roofs • Updated plumbing • Fresh interior and exterior paint. Currently generating $3,000/month in rental income, this property offers immediate cash flow and long-term upside in a rapidly growing market. Property Highlights: • Fully leased with $3,000/month rental income • City utilities (water, sewer, electric) • Convenient downtown location near shopping, dining, Greenway and public services • Ideal for investors seeking stabilized income with value-add potential. Don't miss this turnkey investment in one of Tennessee's fastest-growing regions.

  33. 2025-02-24
    listed $245,000 Active 923-char remark
    Show marketing remark (923 chars)

    Turnkey Investment Portfolio - Fully Leased Multi-Building Property | Downtown Cleveland, TN Rental income opportunity in the heart of Downtown Cleveland, Tennessee. This fully leased multi-building property sits on a corner lot with access to city utilities and recent upgrades throughout. Recent renovations include: • Newer roofs • Updated plumbing • Fresh interior and exterior paint. Currently generating $3,000/month in rental income, this property offers immediate cash flow and long-term upside in a rapidly growing market. Property Highlights: • Fully leased with $3,000/month rental income • City utilities (water, sewer, electric) • Convenient downtown location near shopping, dining, Greenway and public services • Ideal for investors seeking stabilized income with value-add potential. Don't miss this turnkey investment in one of Tennessee's fastest-growing regions.

  34. 2024-08-25
    historical 305-char remark
    Show marketing remark (305 chars)

    Investor Rental Opportunity, multiple buildings for sale in Cleveland, Tennessee with city utilities. New roofs, plumbing, paint inside & out on three units, fourth undergoing renovation. Corner lot location in the heart of downtown Cleveland, conveniently located. Fully leased, shown by appointment.

  35. 2024-08-19
    listed $225,000 Active 305-char remark
    Show marketing remark (305 chars)

    Investor Rental Opportunity, multiple buildings for sale in Cleveland, Tennessee with city utilities. New roofs, plumbing, paint inside & out on three units, fourth undergoing renovation. Corner lot location in the heart of downtown Cleveland, conveniently located. Fully leased, shown by appointment.

  36. 2024-08-03
    historical
  37. 2023-12-12
    price $225,000
  38. 2023-12-12
    price $225,000
  39. 2023-11-26
    status Active
  40. 2023-06-20
    listed $250,000 Active
  41. 2023-03-30
    listed $225,000 Active
  42. 2021-12-30
    soldstatus $55,000
  43. 2021-09-14
    price $85,000
  44. 2021-09-13
    price $104,000
  45. 2015-09-10
    soldstatus $50,000
  46. 1990-03-06
    soldstatus $9,000

ⓘ 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
$491 · $41/mo
Projected year-2 tax
$1,740 · $145/mo
Expected delta
+$1,248/yr (+$104/mo · 254.3%)

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

Climate risk First Street

  • 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 75% chance over 30 yrs
  • 🔥 Wildfire 3/10 Moderate
  • 🌡 Heat 6/10 Major 7 d/yr ≥104°F today · 19 d/yr by 30 yrs out
  • 💨 Wind 3/10 Moderate 6% chance of damaging wind over 30 yrs
  • 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$11,894
− Mortgage interest
−$13,724
− Property taxes
−$491
− Insurance
−$1,225
− Repairs & maintenance
−$951
− Management
−$951
− Depreciation
−$7,127
Taxable loss
−$12,576
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$3,018
After-tax cash flow
$-4,719/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
Cleveland
NCES district ID
4700690
Math proficiency
23% ▼ -9.00%
Reading proficiency
28% ▼ -6.00%
Median HH income
$37,612
Composite
21.28/100
National rank
#8394
State rank
#85 of 139 in TN

Livability — Cleveland

Score
70/100
State rank
#55
US rank
#7689

Category grades

Amenities F Commute F 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
Cleveland, TN
County
Bradley County · 99,337 people
City population
99,337
Metro
Cleveland, TN
Population (ZIP)
30,720
Household income
$47,153
Rent vs Own
53.4% rent · 46.6% own
Severe rent burden
1184.0

Population outlook (Bradley County) Hauer SSP2

Today (2025)
114,901 people
By 2030
120,137 · +4.6%
By 2040
130,125 · +13.2%
By 2050
139,257 · +21.2%
By 2075
161,664 · +40.7%
By 2100
179,767 · +56.5%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (74%)
Race & ethnicity
White 74% Hispanic / Latino 12% Black 9% Two or more races 6%
Hispanic origin (detail)
Mexican 7% Puerto Rican 2%
Common ancestry
Slovak 3% Serbian 2% Italian 1%
Foreign-born
6% · Canada
Languages at home
88% English-only · Spanish 9% Russian/Polish/Slavic 1%

Political lean MEDSL · Bradley

2024 margin
Solid R (+58.9) · D 20.0% · R 78.9% · Other 1.1%
2008→2024 swing
-9.2pp toward R · 2008: -49.7pp · 2024: -58.9pp
All cycles
2024: R+58.9 2020: R+55.3 2016: R+59.1 2012: R+53.9 2008: R+49.7

Not yet ingested

Civics

Market trends

HPI YoY
▼ -97.10%
Current HPI
285.0723
Rent YoY
▲ 2.95%
Metro
Cleveland, TN
State GDP YoY
▲ 2.78%
F500 in state
22

Industry mix (Fortune 500 HQ in TN)

Industry F500 HQs Revenue

Price history

+2622.2% since first listed
27 events — show timeline
  • 2025-09-10 Relisted GCAR
  • 2025-09-10 Relisted RCAOR
  • 2025-08-27 Pending GCAR
  • 2025-08-27 Contingent RCAOR
  • 2025-08-07 Relisted GCAR
  • 2025-08-07 Relisted RCAOR
  • 2025-07-28 Pending GCAR
  • 2025-07-28 Contingent RCAOR
  • 2025-04-01 Relisted RCAOR
  • 2025-04-01 Relisted GCAR
  • 2025-03-16 Contingent RCAOR
  • 2025-03-16 Contingent GCAR
  • 2025-02-24 Listed $245,000 RCAOR
  • 2025-02-24 Listed $245,000 GCAR
  • 2024-08-25 Listing Removed REALTRACS as Distributed by MLS Grid
  • 2024-08-19 Listed $225,000 REALTRACS as Distributed by MLS Grid
  • 2024-08-03 Listing Removed REALTRACS as Distributed by MLS Grid
  • 2023-12-12 Price Changed $225,000 GCAR
  • 2023-12-12 Price Changed $225,000 REALTRACS as Distributed by MLS Grid
  • 2023-11-26 Relisted REALTRACS as Distributed by MLS Grid
  • 2023-06-20 Listed $250,000 REALTRACS as Distributed by MLS Grid
  • 2023-03-30 Listed $225,000 RCAOR
  • 2021-12-30 Sold (Public Records) $55,000 Public Records
  • 2021-09-14 Price Changed $85,000 GCAR
  • 2021-09-13 Price Changed $104,000 GCAR
  • 2015-09-10 Sold (Public Records) $50,000 Public Records
  • 1990-03-06 Sold (Public Records) $9,000 Public Records

Property tax history

+3.4%/yr

Latest (2025): $491 · +13.9% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…