938 Talley Rd, Chattanooga, TN 37411

Discover this beautifully renovated 3 bedroom, 1 bath home featuring abundant natural light streaming in from the large windows, lovely wooden flooring, and wooden wall panels, adding a touch of elegance and warmth. With generously sized bedroom each with ample closet space and a spacious eat-in kitchen complete with refrigerator, stove, and dishwasher. A washer and dryer hook-up simplify your laundry and modern features such as central heat and air, a smart home system and electric heating makes life easy. A spacious back deck, a large yard, and a walk-out patio. Pets upto 90lbs are welcome. Conveniently located near Brainerd and Shallowford roads. Don't miss out on this offer - Schedule a showing now! ** RENT TO OWN TERM Sale Price : $ 229,000 Down Payment : $ 5,000 Loan Origination Fee : $ 2,290 Agreement Preparation Fee : $ 500 Financed : $ 226,290 Monthly Payment : $ 1,921.53 Plus taxes and Insurance Term : 40 Years *Must rent the prop for at least 6 months to do owner financing. *Must still do application following the application criteria. Only $1,099 FOR RENT Deposit to Move In! Ask us about our Obligo Deposit-Free Lease Program! Qualified tenants can skip the traditional security deposit and pay a smaller, manageable monthly fee instead. Washer & Dryer Rental Program - $99/month for a high-quality washer and dryer - One-time installation fee: $75 - Repairs and maintenance are covered - Charges apply for damage or loss Availability Date Move-in date may change depending on property condition or vacancy status. MONTHLY CHARGES (in addition to base rent) Smart Home Automation ............ $20.95 Renters Insurance ................ $14.99 Community Perks Package .......... $2.99 HVAC Filter Program .............. $12.50 AMENITIES - Smart Home Automation - Central Heat and Air - Electric Heat - Refrigerator, Stove, Dishwasher - Washer and Dryer Hookup - Pet Friendly (9lbs max) - Section 8 Accepted LEASE TERMS - 12-Month Lease:................. Base Rent - 6-11 Months:.................... +$100/month - Under 6 Months:................. +$250/month - Month-to-Month:................. +$250/month MANDATORY PROGRAMS & FEES Smart Home Automation ............ $20.95/month (mandatory) - Subscription required for remote access to locks and thermostat, monitor home activity, and reduce energy costs. Renters Insurance ................ $14.99/month - Provides $100,000 in liability coverage and $10,000 protection for personal belongings. HVAC Filter Program .............. $12.50/month - Regular delivery of air filters to improve air quality and reduce energy bills. Credit Reporting Program ......... $2.99/month - Reports your on-time rent payments to credit bureaus to help build or improve your credit. Smoking/Vaping Fee ............... $200 one-time (non-refundable) - Required if you smoke or vape, even outside, to cover additional cleaning/prep costs. UTILITY CONCIERGE SERVICE (Optional) Utility Setup Fee ................ $175 one-time (non-refundable) - Covers the cost of setting up all your utilities without the hassle of dealing with multiple providers. Utility Service Admin Fee ........ $9.95/month - Charged for consolidated billing, service management, and ongoing utility coordination. Billing Convenience .............. One simple bill - Receive one combined bill for rent and utilities with reminders and full transparency. PET POLICY - Standard Breeds: - $300 non-refundable fee per pet - $25/month for 1st pet; $10/month for each additional (max 3) - Restricted Breeds: Pitbull, Rottweiler, Doberman, Chow, German Shepherd, etc. - $375 non-refundable fee per pet - $45/month for 1st pet; $25/month for each additional (max 3) - No fees for ESA or Service Animals - Pet Application Fee: $35/pet (excluding ESA/Service Animals) APPLICATION REQUIREMENTS CREDIT REQUIREMENTS: If employed 1+ year at current job: - 600-649: Standard Deposit - 550-599: Standard Deposit + 50% rent Mitigation Fee - 500-549: Standard Deposit + 100% rent Mitigation Fee - 499 and below: Cosigner required (600+ credit score, 2x rent income) If employed under 1 year: - 650+: Standard Deposit - 600-649: Standard + 50% Mitigation Fee - 550-599: Standard + 100% Mitigation Fee - 500-549: Standard + 150% Mitigation Fee - No credit: Cosigner required (600+ score, 2x rent) AUTOMATIC DENIALS: - Utility Collections - Evictions - Felonies/Misdemeanor (within the last 10 years) - Landlord Collections - Drug Charges - Bankruptcies (within the last 5 years) APPLICATION PROCESS - Application fee: $65/adult (non-refundable) - Processing time: 2-3 business days INCOME REQUIREMENT - Combined household income must be at least 2x the rent MOVE-IN COSTS - First months rent (prorated) - Security deposit - $100 lease preparation fee - Additional fees and programs listed above NEED TO SELL BEFORE YOU MOVE? Stevens Realty can buy your current home directly. - No repairs, cleaning, or commissions - Move into your new home up to 30 days sooner! BONUS: BUILD YOUR CREDIT! Pay your rent on time and well report it to all 3 credit bureaus! Improve your credit, qualify for better rates, and establish credit history while renting. Contact us today to schedule a tour or apply online! Renters Insurance Required Smart Lock & Thermostat Automation Inclusive Smart Lock Automation Inclusive Stevens Realty All Bills Included Utility Concierge Service Required Utility And Maintenance Reduction Program Required Washer/Dryer For Rent