4020 Kirkland Ave, Chattanooga, TN 37410

Take the right steps into this 2-bedroom apartment with hardwood floors throughout, bright cozy interiors, a Window AC unit perfect for the summer days, a cozy... kitchen equipped with a stove and refrigerator, and nice-sized bedrooms. Explore your environment with your larger pets at 90 lbs or less who are welcome.

Close to downtown Chattanooga and within walking distance or a short drive to the shopping and restaurants in St Elmo.

Book a showing now!

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Only $849 Deposit to Move In!
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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.
Learn more:

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.


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MONTHLY CHARGES (in addition to base rent)
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Renters Insurance ................ $14.99
Community Perks Package .......... $2.99


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AMENITIES
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- Window AC Unit
- Electric Heat
- Refrigerator, Stove
- Washer and Dryer Hookup
- Pet Friendly (30 lbs max)
- Section 8 Accepted


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LEASE TERMS
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- 12-Month Lease:................. Base Rent
- 6-11 Months:.................... +$100/month
- Month-to-Month:................. +$250/month


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MANDATORY PROGRAMS & FEES
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Renters Insurance ................ $14.99/month
- Provides $100,000 in liability coverage and $10,000 protection for personal belongings.

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.


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UTILITY CONCIERGE SERVICE (Optional)
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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.


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PET POLICY
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- Standard Breeds:
- $300 non-refundable fee per pet
- $25/month for 1st pet; $10/month for each additional (max 3)
- No fees for ESA or Service Animals
- Pet Application Fee: $35/pet (excluding ESA/Service Animals)
- Restricted Breeds NOT ALLOWED: Pitbull, Rottweiler, Doberman, Chow, German Shepherd, etc.


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APPLICATION REQUIREMENTS
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AUTOMATIC DENIALS:
- Utility Collections - (can be rectified by paying balance with receipt.)
- Landlord Collections - (can be rectified by paying balance with receipt.)
- Evictions - (can be rectified by providing documents from previous landlord that says otherwise. If there's a balance, pay the full amount and send us receipt)
- Drug Charges - (non-negotiable)
- Felonies/Misdemeanor (within the last 10 years) - (non-negotiable)
- Bankruptcies (within the last 5 years) - (non-negotiable)

CREDIT REQUIREMENTS:

If employed more than 1 year with current employer:
- 600+: No Risk Mitigation Fee
- 575-599: 50% Risk Mitigation Fee
- 550-574: 100% Risk Mitigation Fee
- 549 and below: May be approved with a qualified co-signer (minimum 600 credit score and income of at least 2× the monthly rent)

If employed less than 1 year with current employer:
- 575+: No Risk Mitigation Fee
- 550-574: 50% Risk Mitigation Fee
- 525-549: 100% Risk Mitigation Fee
- 500-524: 150% Risk Mitigation Fee
- 499 or No credit history: May be approved with a qualified co-signer (minimum 600 credit score and income of at least 2× the monthly rent)


INCOME REQUIREMENT:

- Combined household income must be at least 2x the rent

Note:
A Risk Mitigation Fee is an additional, one-time fee collected at move-in to offset increased financial risk associated with credit history, rental history, or employment stability. This fee is not a security deposit and is non-refundable.

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APPLICATION PROCESS
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- Apply online:
- Application fee: $65/adult (non-refundable)
- Processing time: 2-3 business days

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MOVE-IN COSTS
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- First month’s rent (prorated)
- Security deposit
- $100 lease preparation fee
- Additional Mandatory fees and programs listed above

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NEED TO SELL BEFORE YOU MOVE?
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Stevens Realty can buy your current home directly.
- No repairs, cleaning, or commissions
- Move into your new home up to 30 days sooner!

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BONUS: BUILD YOUR CREDIT!
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Pay your rent on time and we’ll report it to all 3 credit bureaus!
Improve your credit, qualify for better rates, and establish credit history while renting.

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Contact us today to schedule a tour or apply online!

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Renters Insurance Required
Stevens Realty All Bills Included Utility Concierge Service Required
Washer/Dryer For Rent Lee mas