Chattanooga Homes with Lease Purchase Terms

Welcome to Chattanooga, Tennessee, a vibrant city nestled in the foothills of the Appalachian Mountains, known for its stunning natural beauty and rich cultural heritage. As the fourth-largest city in the state, Chattanooga offers a unique blend of urban sophistication and outdoor adventure. With its picturesque riverfront, thriving arts scene, and a plethora of recreational activities, it’s no wonder that residents are proud to call this city home.

Chattanooga is a hub for innovation and growth, making it an attractive destination for families, young professionals, and retirees alike. The city boasts a diverse economy, with key industries including manufacturing, healthcare, and technology. Residents enjoy a high quality of life, characterized by friendly neighborhoods, excellent schools, and a strong sense of community.

For those considering a move to this charming city, you’ll be pleased to know that there are homes available with lease purchase terms. This flexible option allows potential homeowners to rent a property with the opportunity to buy it later, making it an ideal choice for those who may be uncertain about their long-term plans. It’s a perfect way to settle into the vibrant Chattanooga lifestyle while securing your future home.

With a variety of properties ranging from historic homes to modern townhouses, you’re sure to find the perfect fit for your needs. Explore the possibilities in Chattanooga, where adventure awaits around every corner, and your dream home is just a lease away!

Newest Chattanooga Homes with Lease Purchase Terms

$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

Listing courtesy of The Real Estate Mavericks.

$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

Listing courtesy of Zach Taylor - Chattanooga.

$237,500

3 Beds ⋅ 2 Baths ⋅ 1540238 MLS

The seller is owner financing this at 20% down, 8% rate, 30 year note with a 3 year balloon with possible loan restructure after 3 years. East Ridge continues to be one of the hottest real estate markets in Hamilton County, and this move-in ready ranch home is an opportunity you won't want to miss! This charming 3-bedroom, 2-bathroom home offers over 1,250 square feet of comfortable living space, all conveniently situated on one level. Nestled on a beautiful fenced corner lot of approximately one-third acre, the property features a level yard perfect for children, pets, gardening, or outdoor entertaining. Inside, you'll find a spacious living room, a dedicated laundry/storage area, and solid-surface flooring throughout--absolutely no carpet. Recent updates include new windows, fresh paint, new flooring, and numerous additional improvements, making this home truly move-in ready. The backyard offers a large detached storage building that can serve as a workshop, garage, hobby space, or extra storage area. Conveniently located in the heart of East Ridge, you'll enjoy quick access to I-75, downtown Chattanooga, shopping, dining, and entertainment. Nearby attractions include Camp Jordan Park, the Red Wolves SC Stadium, Bass Pro Shops, and Chick-fil-A, making this location hard to beat. With its desirable location, recent updates, and affordable price point, this home is expected to sell quickly. Schedule your private showing today and see everything this property has to offer. Seller financing available with acceptable terms.

1663 Keeble Street, Chattanooga

Listing courtesy of Blue Key Properties LLC.

$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

Listing courtesy of Weathersbee Realty.

$449,900

4 Beds ⋅ 3 Baths ⋅ 1539147 MLS

#OPENHOUSE TUESDAY 9/29 AND WEDNESDAY 9/30 (4P-6P EST). Stop by on your way home from work to tour. It is the perfect time to purchase this HOME to enjoy for the 2026 Holiday Season. Seller is offering a $5k CREDIT toward an interest-rate buydown or buyer closing costs with an acceptable offer by 09/30! Take advantage of this limited-time opportunity to potentially lower your monthly payment or reduce your cash needed at closing. Discover exceptional space, updates, and value in the highly desirable Mountain Shadows community off East Brainerd and Banks Rd. Situated on nearly half an acre near a quiet cul-de-sac, this beautifully maintained 4-bedroom, 3-full-bath home offers more than 2,200 square feet, outstanding curb appeal, and numerous improvements completed from 2020-2026. The inviting covered front porch opens to a spacious foyer and light-filled great room featuring soaring cathedral ceilings, a skylight, and a wood-burning fireplace. A separate dining room provides an ideal setting for entertaining. The updated kitchen offers upgraded countertops, modern appliances, updated flooring, a skylight, and an adjoining breakfast area. Three generously sized bedrooms and two full bathrooms are located on the main level, including a bedroom with a private en-suite bath. The impressive primary suite provides more than 600 square feet of private living space with vaulted ceilings and room for a sitting area or home office. Its beautifully renovated bathroom features dual vanities, an oversized walk-in shower with dual rain showerheads and body sprayers, a skylight, and a spacious walk-in closet. Additional highlights include a conveniently located laundry room, attached two-car garage, and an additional side driveway offering parking for extra vehicles, a boat, or a trailer. The backyard is ready for outdoor entertaining with a large concrete patio, exterior lighting, a wall-mounted television, generous seating space, and a storage shed. Major improvements include a new roof and four new skylights installed in 2020. Mountain Shadows amenities include a community pool, clubhouse, tennis / basketball court, and playground. Conveniently located near East Brainerd shopping, dining, and major commuter routes, this move-in-ready home delivers the space, updates, and location today's buyers are seeking. A $450 Choice one-year home warranty is also available if requested with an acceptable offer. Schedule your private showing and explore the online 360-degree virtual tour today! #OPENHOUSE TUESDAY 9/29 AND WEDNESDAY 9/30 (4P-6P EST).

9302 Rockshire Lane, Chattanooga

Listing courtesy of Crye-Leike, REALTORS.

$465,000

3 Beds ⋅ 2 Baths ⋅ 1537411 MLS

Northshore Downtown Nestled on a quiet, secluded cul-de-sac atop a hill in desirable Northshore Downtown, this charming 3-bedroom, 2-bath home offers stunning mountain views and exceptional privacy. Just 5 minutes from the River Walk, Aquarium, and downtown amenities, the 1,550 sq ft residence features a functional layout with kitchen, dining, and living areas. The property includes a massive 70x70 concrete camper/RV pad with private entrance, full hookups & deck, plus a carport, two structures, garden, and chicken coop. Sold with an extra buildable lot at 944 Beason Drive offering more home potential. Currently rented for $2,400/month with occasional camper income. Serious inquiries only. Occupied -- appointments required. Don't miss this rare opportunity!

900 Beason Drive, Chattanooga

Listing courtesy of Sell Your Home Services, LLC.

$387,000

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 Jan 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

Listing courtesy of Real Estate Partners Chattanooga LLC.

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Information Is Believed To Be Accurate But Not Guaranteed. Some or all listings may or may not be listed by the office/agent presenting these featured properties. Copyright 2026 MTRMLS, Inc. RealTracs Solutions.