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!
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** 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.

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Only $1,099 FOR RENT 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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Smart Home Automation ............ $20.95
Renters Insurance ................ $14.99
Community Perks Package .......... $2.99
HVAC Filter Program .............. $12.50


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AMENITIES
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- Smart Home Automation
- Central Heat and Air
- Electric Heat
- Refrigerator, Stove, Dishwasher
- Washer and Dryer Hookup
- Pet Friendly (9lbs max)
- Section 8 Accepted


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


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MANDATORY PROGRAMS & FEES
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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.


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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)
- 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)


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APPLICATION REQUIREMENTS
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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)

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

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MOVE-IN COSTS
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- First months rent (prorated)
- Security deposit
- $100 lease preparation fee
- Additional 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 well 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!


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 Read More