Chattanooga Homes with Lease Option Financing available

Chattanooga Homes with Lease Option Financing available

Welcome to Chattanooga, Tennessee—a vibrant city nestled in the scenic foothills of the Appalachian Mountains. Known for its stunning natural beauty and rich history, Chattanooga is a place where outdoor adventures and urban amenities intertwine seamlessly. With the majestic Tennessee River winding through the city and breathtaking views from Lookout Mountain, residents enjoy a unique blend of culture, recreation, and community spirit.

Chattanooga’s revitalized downtown area boasts an array of shops, restaurants, and art galleries, making it a hub for creativity and innovation. The city is also home to several prestigious universities and a growing tech scene, attracting young professionals and families alike. With its mild climate and abundant green spaces, Chattanooga is perfect for those who appreciate an active lifestyle, whether it’s hiking the scenic trails or enjoying a leisurely stroll along the riverfront.

For prospective homeowners, Chattanooga offers an enticing opportunity with homes available through lease option financing. This flexible financing option allows you to rent a property with the option to purchase it later, making it easier for you to transition into homeownership without the immediate pressure of a large down payment. This is particularly appealing in the current real estate market, where finding the perfect home can be a challenge.

With its affordable housing market and diverse neighborhoods, Chattanooga is an ideal place to settle down and make lasting memories. Explore the possibilities that await you in this charming city, where your dream home could be just a lease option away!

Newest Chattanooga Homes with Lease Option Financing available

1314 Hixson Pike, Chattanooga
$349,900
2 Beds ⋅ 2 Baths ⋅ 1544735 MLS
Welcome home to this stunning, updated 1930 historic bungalow located in one of North Chattanooga's most coveted pockets. Perfectly blending timeless character with contemporary conveniences, this single-level gem offers the ultimate urban lifestyle--Zoned for Normal Park schools and unbeatable walkability to local parks, vibrant shopping, and dining. Step onto the covered front porch--the ultimate cozy spot for your morning coffee or cheering on Ironman athletes. It has been thoughtfully opened up to create a spacious hub, making it easy to prep meals. The single-level layout features 2 bedrooms and 2 modern bathrooms, offering a private and comfortable retreat for everyone whether you have guests or a roommate. Skip the hassle of street parking. This property features a two-car driveway, easily accessible from Hixson Pike. You truly cannot beat this location. Leave the car at home and enjoy being steps away from Riverview Park. With North Chattanooga's best local restaurants, boutiques, and daily conveniences just minutes from your front door, this historic bungalow offers the perfect place to live, work, and play. ***Refrigerator and Washer / Dryer INCLUDED. Owner / Agent.

1314 Hixson Pike, Chattanooga
2025 Haven Crest Drive, Chattanooga
$539,000
5 Beds ⋅ 3 Baths ⋅ 1544182 MLS
RIDGE VIEWS • MULTI-GENERATIONAL LIVING • COMPLETELY REMODELED • OWNER FINANCING AVAILABLE Rare opportunity in 37421! FIRST SHOWINGS ARE 10/13/2026 DUE TO CLEAN UP BUT COME DRIVEBY!! This home has been completely transformed from top to bottom with nearly 3,000 sq ft of flexible living space and a beautiful ridge setting offering seasonal mountain and Chattanooga-area views that only get better as the leaves fall! Perfect for multi-generational living, featuring TWO living areas, TWO kitchens and walk-out access from BOTH levels, plus two driveways, a carport and newly created garage. The previous tenant utilized additional rooms as Bedrooms 4-6, providing tremendous flexibility for family, guests, offices or separate living arrangements. NEW ROOF • NEW WINDOWS • NEW FLOORS • NEW PAINT • UPDATED BATHROOMS • UPDATED KITCHENS • NEW GARAGE DOOR -- this home has been extensively remodeled throughout. A portion of the former carport was enclosed and remodeled into finished living space. Buyer to verify square footage, room dimensions and intended room usage. FINANCING INCENTIVE: Per Seller, Seller is offering up to 2% toward buyer discount points/rate buydown at the original 10/7/2026 listing price when financing through Seller's preferred lender, HomeRate Mortgage, East Brainerd Road. Actual rates, terms, eligibility and costs vary. Visit 423ApplyNow.com for details. NMLS #2239. Owner financing also available to qualified buyers with an acceptable down payment. Two levels. Two kitchens. Two living spaces. Two driveways. One incredible opportunity -- with a view you simply can't remodel into another house.

2025 Haven Crest Drive, Chattanooga
1201 Regency Court, Chattanooga
$274,400
3 Beds ⋅ 2 Baths ⋅ 1544127 MLS
Welcome to 1201 Regency Ct, a spacious and well-maintained 3-bedroom, 2-bath condominium offering approximately 1,665 sq. ft. of comfortable, low-maintenance living in the highly convenient Hamilton Place area. Located in Villas at Shallowford Trace just off Shallowford Road, this home combines a desirable floor plan, attached garage, and exceptional access to shopping, dining, medical facilities, major employers, and I-75. Inside, a bright open layout connects the generous living and dining areas, creating an inviting space for everyday living and entertaining. Hardwood flooring, large windows, and abundant natural light add warmth throughout the main living spaces. The kitchen offers ample cabinetry and counter space, a breakfast bar, eat-in area, and appliances, making it both functional and welcoming. The spacious primary suite features a large walk-in closet and private bath with dual vanities and a soaking tub. Two additional bedrooms provide flexibility for family, guests, a home office, fitness space, or hobbies. An attached one-car garage offers convenient parking plus additional storage. The location is one of this property's strongest advantages--approximately 2 minutes from I-75 and just minutes from Hamilton Place Mall, Gunbarrel Road, Hamilton Family YMCA, grocery stores, restaurants, healthcare, Chattanooga Airport, and everyday services. East Brainerd, Ooltewah, Collegedale, and Downtown Chattanooga are all easily accessible. With three bedrooms, two full baths, generous square footage, garage parking, and a central location, this condo is an excellent opportunity for an owner-occupant, downsizer, busy professional, or investor seeking a versatile property in one of Chattanooga's most convenient areas. Enjoy the benefits of condo living with less exterior upkeep and more time to enjoy the surrounding amenities. Schedule your private showing today and discover the space, convenience, and value offered at 1201 Regency Ct.

1201 Regency Court, Chattanooga
718 East Avenue, Chattanooga
$200,000
3 Beds ⋅ 2 Baths ⋅ 1543531 MLS
This beautifully updated 3-bedroom home offers a move-in-ready opportunity at an affordable price. Extensively remodeled approximately two years ago, updates include a newer roof, HVAC, windows, flooring, kitchen, bathrooms, and more. The main level features a spacious living area, updated kitchen with stainless steel appliances, and dining space. Upstairs you'll find three bedrooms, a full bathroom, and convenient laundry area. Since the renovation, the home has been occupied by a long-term tenant, making this a great opportunity for an investor looking to add a turnkey property to their portfolio or a buyer looking for an updated home that's ready to enjoy. Conveniently located near shopping, dining, entertainment, and downtown Chattanooga. Home is currently occupied. Please respect the tenants and allow for 24 hr advanced notice for showings.

718 East Avenue, Chattanooga
1834 Dawson Circle, Chattanooga
$375,000
2 Beds ⋅ 3 Baths ⋅ 1542848 MLS
Buyer Incentives! Receive 1% in flex cash to use toward your choice of an appliance package, or combine it with a 1.25% lender credit giving you 2.25% to use towards closing costs, prepaids, or an interest rate buy down for a limited time! Welcome to Maddox Square, a Waters- Holland townhome community in the heart of East Brainerd where distinctive architecture meets attainable living. This gated neighborhood offers modern and classic finishes, functional design, and an unbeatable location. Introducing ''The Dawson'' one of four distinctive floorplans to fit a variety of lifestyles: The Mayer, The Rowan, The Dawson, and The Delaney -- each designed with open-concept living and elevated details throughout. The two-story 2br/2.5 bath residence features Modern finishes, abundant natural light, spacious living areas, designer quartz countertops that anchor the beautifully appointed kitchen ideal for entertaining or everyday living. Residents enjoy the privacy of a gated entrance along with a large shared green space -- perfect for gathering, relaxing, or play. The community's walkable convenience adds even more appeal, with East Brainerd Elementary just steps away. Just minutes from Hamilton Place mall, Trader Joes, Erlanger Hospital, Target and much more. Whether you're seeking low-maintenance living, modern style, or a prime East Brainerd location, Maddox Square delivers comfort, quality, and community all in one exceptional address. Listed price is the base price for the Dawson plan. Photos and renderings are illustrative only and may not represent this specific unit. Taxes not yet assessed; subject to change. Buyers to verify school zones, square footage and HOA information. Owner/Agent.

1834 Dawson Circle, Chattanooga
108 S Seminole Drive, Chattanooga
$248,000
3 Beds ⋅ 2 Baths ⋅ 1541147 MLS
One level living with large back yard. This newly renovated 3 bedroom, 2 bath home sits just minutes from downtown Chattanooga, tucked away on quiet and convenient S. Seminole Drive. Formerly a successful rental, the property has been thoughtfully transformed into a comfortable single-family residence with major system upgrades and modern finishes throughout. Seller will finance for up to one year. Step inside to find brand-new bathrooms, new plumbing, new sewer line, new electrical, new insulation, and new flooring--all designed to give the next owner peace of mind for years to come. An expanded wrap-around deck offers generous outdoor living space perfect for relaxing, grilling, or entertaining. The home features a large parking area in front with room for multiple vehicles, and the huge stand-up crawlspace provides exceptional storage or the potential to finish out a workshop or hobby space. Great location! Text agent with questions.

108 S Seminole Drive, Chattanooga
1284 Heritage Landing Drive, Chattanooga
$439,900
2 Beds ⋅ 2 Baths ⋅ 1540437 MLS
Welcome to 1284 Heritage Landing Drive, where the perfect blend of convenience, comfort, and lifestyle awaits in Chattanooga's highly sought-after Northshore area. This well maintained 2-bedroom, 2-bath home features a bright, open-concept floor plan with spacious living areas, generously sized bedrooms, abundant cabinetry, and an updated kitchen complete with stainless steel appliances, wine cooler, refrigerator, washer, and dryer--making this truly move-in ready. The versatile loft provides the perfect space for a home office, media room, or additional living area, while the oversized two-car garage offers ample storage. Located within the gated Heritage Landing community, residents enjoy exceptional amenities including a clubhouse, swimming pool, scenic ponds, and picturesque walking trails. Just minutes from downtown Chattanooga, you'll have easy access to award-winning restaurants, boutique shopping, parks, the Tennessee Riverwalk, and vibrant riverfront attractions. Whether you're searching for a primary residence, a low-maintenance lifestyle, or a home in one of Chattanooga's most desirable communities, this property is a must-see.

1284 Heritage Landing Drive, Chattanooga
8529 Ari Lane, Chattanooga
$425,000
3 Beds ⋅ 3 Baths ⋅ 1540073 MLS
Stunning new construction featuring 3 spacious bedrooms and 2.5 beautifully appointed baths. This home showcases high-end luxury finishes throughout, including a designer kitchen with quartz countertops, premium cabinetry, and an expansive open floor plan perfect for modern living and entertaining. Thoughtfully designed with elegance and functionality in mind-move-in ready and built to impress. LEASE PURCHASE AVAIABLE !!

8529 Ari Lane, Chattanooga
732 Lupton Drive, Chattanooga
$239,000
3 Beds ⋅ 1 Baths ⋅ 1539640 MLS
Conveniently located just minutes from Downtown Chattanooga, Hixson, and Red Bank, this well-maintained 3-bedroom, 1-bath ranch offers comfortable one-level living on a level lot. The functional floor plan features a spacious living area with hardwood floors, an efficient kitchen with granite countertops and updated appliances, a refreshed bathroom, and an attached carport for everyday convenience. Out back, you'll find a flat, usable backyard with plenty of room for pets, gardening, entertaining, or simply enjoying the outdoors. Whether you're a first-time homebuyer taking advantage of down payment assistance, looking to downsize, or searching for an investment opportunity, this home offers a practical layout and desirable features in a convenient location close to shopping, dining, parks, and schools. Schedule your private tour today!

732 Lupton Drive, Chattanooga
914 Dartmouth Street, Chattanooga
$299,900
2 Beds ⋅ 2 Baths ⋅ 1539520 MLS
Welcome to 914 Dartmouth Street, a turnkey opportunity in the heart of North Chattanooga - perfect for a first-time homebuyer or investor. This thoughtfully updated home features an open-concept floor plan, two bedrooms, one full bathroom, and a convenient half bath, offering comfortable, move-in-ready living. Step outside to a private, fully fenced backyard with a screened-in porch, ideal for relaxing or entertaining. The basement has been fully encapsulated and offers an abundance of storage space with convenient, separate exterior access. Located in one of North Chattanooga's most walkable neighborhoods, this home is an easy stroll to Tremont Tavern, Il Primo, Las Margaritas, and Riverview Park. Come check out what 914 Dartmouth Street has to offer!

914 Dartmouth Street, Chattanooga
1001 E 11th Street, Chattanooga
$375,000
3 Beds ⋅ 2 Baths ⋅ 1535050 MLS
Lease to own available. Eligible for up to $15,000 down payment assistance with THDA and Chattanooga DPA program. Appraised for $403,500 in Dec 2024. Just 5~ minutes to UTC, Erlanger, Memorial, and Parkridge. Welcome to this charming 3-bedroom, 2-bathroom home featuring a main-level primary suite with a full ensuite. Enjoy new vinyl flooring in all bedrooms, a 2-year-old roof, and brand-new Champion windows for efficiency and peace of mind. Fenced front yard for pets. Off street parking for 3 cars - plenty of street parking for guest. This home is move-in ready and perfect for living, investing, or house hacking. Modern updates, thoughtful layout, and excellent condition make this home stand out. Don't miss this opportunity to own a stylish, low-maintenance property with flexibility and comfort in every detail! Comes with 1 year home warranty. Owner/Agent

1001 E 11th Street, Chattanooga
1866 Dawson Circle, Chattanooga
$525,000
3 Beds ⋅ 3 Baths ⋅ 1531682 MLS
Buyer Incentives! Receive 1% in flex cash to use toward your choice of an appliance package, or combine it with a 1.25% lender credit giving you 2.25% to use towards closing costs, prepaids, or an interest rate buy down! Welcome to Maddox Square, a Waters- Holland townhome community in the heart of East Brainerd where distinctive architecture meets attainable living. This gated neighborhood offers modern and classic finishes, functional design, and an unbeatable location. Introducing ''The Delaney'' one of four distinctive floorplans to fit a variety of lifestyles: The Mayer, The Rowan, The Dawson, and The Delaney -- each designed with open-concept living and elevated details throughout. The two-story 3br/2.5 bath residence features Classic finishes, abundant natural light, spacious living areas, an office, designer quartz countertops that anchor the beautifully appointed kitchen ideal for entertaining or everyday living. Residents enjoy the privacy of a gated entrance along with a large shared green space -- perfect for gathering, relaxing, or play. The community's walkable convenience adds even more appeal, with East Brainerd Elementary just steps away. Just minutes from Hamilton Place mall, Trader Joes, Erlanger Hospital, Target and much more. Whether you're seeking low-maintenance living, modern style, or a prime East Brainerd location, Maddox Square delivers comfort, quality, and community all in one exceptional address. Listed price is the base price for the Delaney plan. Photos and renderings are illustrative only and may not represent this specific unit. Taxes not yet assessed; subject to change. Buyers to verify school zones, square footage and HOA information. A sales agent must be present for tours. Owner/Agent.

1866 Dawson Circle, Chattanooga
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