4020 Kirkland Ave

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! Only $785 Deposit 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) Resident Benefits Package ........ $49.95 AMENITIES - Window AC Unit - Electric Heat - Refrigerator, Stove - Washer and Dryer Hookup - Pet Friendly (30 lbs max) - Section 8 Accepted LEASE TERMS - 12-Month Lease:................. Base Rent - 6-11 Months:.................... +$100/month - Month-to-Month:................. +$250/month MANDATORY PROGRAMS & FEES Resident Benefits Package ........ $49.95 - Our Resident Benefits Package is designed to make renting easier, more convenient, and more rewarding. Enjoy built-in savings, protection, maintenance support, and exclusive perks all included to enhance your living experience. 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/Regular Breeds: - $300 non-refundable fee per pet - $25/month for 1st pet; $10/month for each additional (max 3) - Restricted/Aggressive Breeds NOT ALLOWED: Pitbull, Rottweiler, Doberman, Chow, German Shepherd, etc. - No fees for ESA or Service Animals - Pet Application Fee: $30/pet (excluding ESA/Service Animals) APPLICATION REQUIREMENTS 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 2x 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 2x 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. APPLICATION PROCESS - Application fee: $65/adult (non-refundable) - Processing time: 2-3 business days MOVE-IN COSTS - First month's rent (prorated) - Security deposit - $100 lease preparation fee - Additional Mandatory 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 we'll 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! Affordable Housing : Yes Mini Blinds Resident Benefits Package Stevens Realty All Bills Included Utility Concierge Service Required Washer/Dryer For Rent