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For property owners · Chattanooga, TN

Rent your property to a mid-term rental operator in Chattanooga, TN.

Listing your Chattanooga rental on ArbiBase is free. You sign a consent form and set your rules, vetted operators send proposals, and you decide who tours and who signs. Chattanooga allows non-owner (absentee) short-term vacation rentals only in commercial zones that permit hotel or motel use; residential areas, including the STVR Overlay, are homestay-only. That makes mid-term operators, who host stays of 30+ nights, the place to start.

List your property free →Book a Call

Free to list · Free to review · Free to say no

What you get

Your property. Your rules.

Operators sign standard leases directly with you. ArbiBase is not a party to the lease, and is not a broker or property manager: we make the introduction, you run the relationship.

Your consent

Signed

Nothing is listed until you sign the consent form.

Set the rules

You

Rental type, quiet hours, guest caps, insurance minimums, HOA limits.

Anytime

Revocable

Withdraw consent whenever you like, with no penalty.

Owner fees

$0

Operators fund the platform. You never pay to list.

How it works

Four steps, and every one is yours to approve.

  1. Step 01 · List

    Sign and set your rules.

    Sign the consent form and set your non-negotiables: rental type (STR, MTR or both), quiet hours, guest caps, insurance minimums and HOA rules. Operators see your terms before they see your address.

  2. Step 02 · Check

    We check the property.

    A listing is Verified only after signed owner consent, a Greenlight underwriting pass (estimated revenue at least 1.5x the rent) and a Chattanooga and ZIP rules check for your address.

  3. Step 03 · Receive

    Vetted operators send proposals.

    Each proposal shows the operator's business, insurance, track record, offered rent and lease term, side by side.

  4. Step 04 · Approve

    You decide who tours and signs.

    Review the operator's record, approve who tours, and sign a standard lease directly with the one you choose. Or decline every proposal, at no cost.

List your property →How we vet operators
Local rules · Chattanooga

What Chattanooga's rules mean for you as the owner.

  • In residential areas, including the STVR Overlay, short stays are homestay-only, so an operator who doesn't live in your property can't host them there.
  • Multi-unit buildings are capped at 25% STVR units, and the Board of Zoning Appeals cannot waive the zoning or the cap.
  • Mid-term stays of 31+ nights are allowed in Chattanooga, per the Regulations team's verified record.
  • Taxes: Tennessee sales tax and local occupancy taxes apply to short stays; stays of 30 to 89 nights avoid occupancy tax but still owe sales tax. Agree in writing who registers and who files.
  • If you have an HOA or condo association, its bylaws can ban what the city allows. Attach the rules to your listing so operators work inside them. How to check your HOA rules.

Curious what an operator could earn at your address? The free Greenlight check estimates revenue against 1.5x your rent.

Run a free Greenlight check →
STR statusSTR with Permit
MTR (30+ nights)Mid-term stays of 31+ nights are allowed. Confirm with your lease and HOA.
TaxesTennessee sales tax and local occupancy taxes apply to short stays; stays of 30 to 89 nights avoid occupancy tax but still owe sales tax.
Market focusMTR-led

Full regulation record: Is Airbnb arbitrage legal in Chattanooga? · What operators see: Rental arbitrage in Chattanooga, TN

Last reviewed . General information, not legal advice. Rules change; confirm with the city or a local attorney before signing a lease.

Verified regulations · Chattanooga, TN

Chattanooga's verified rules, for your property.

STR with Permit

Verified by the ArbiBase Regulations team on . Next review .

Non-owner (absentee) STVRs are allowed only in commercial zones that permit hotel/motel use; residential areas, including the STVR Overlay, are homestay-only. Multi-unit buildings are capped at 25% STVR units, the Board of Zoning Appeals cannot waive zoning or the cap, and no absentee certificate is allowed within 18 months after a rezoning.

16 STR-friendly ZIPs mapped — see them in ArbiBase →

STR ratingSTR with Permit
Permit or licenseRequired before short stays at your property. Agree in writing who applies and who renews it.
Primary residenceRequired: short stays only in a home the host lives in, so an operator leasing your property should plan on 30+ night stays.
MTR (30+ nights)31
Your consentYes
Who holds the permitYes, with owner consent

Primary sources: Apply for Short-Term Vacation Rental Certificate | Chattanooga.gov · City of Chattanooga Zoning Ordinance Amendments (last updated 1/23/2026).
Short-term or mid-term

Which kind of operator fits Chattanooga.

Short-term · under 30 nights

Short stays

STR with Permit

Chattanooga allows non-owner (absentee) short-term vacation rentals only in commercial zones that permit hotel or motel use; residential areas, including the STVR Overlay, are homestay-only.

Mid-term · 30+ nights

Mid-term stays

Mid-term stays of 31+ nights are allowed in Chattanooga, per the Regulations team's verified record.

Not sure? Mid-term rentals for landlords explains who the 30+ night guests are and what to require, and short-term or mid-term compares the two.

Chattanooga owner FAQ

Questions Chattanooga owners ask.

Can I rent my Chattanooga property to an Airbnb operator?

Only in commercial zones that permit hotel or motel use. Residential areas, including the STVR Overlay, are homestay-only, and multi-unit buildings are capped at 25% STVR units. Mid-term stays of 31+ nights are allowed.

Who holds the short-term rental permit or registration in Chattanooga?

Chattanooga issues short-term vacation rental certificates. A tenant-operator can hold one with your consent, but a non-owner (absentee) certificate is only possible in a commercial zone that permits hotel or motel use. Put in the lease who applies, who registers for taxes and who files, and ask to see it before the first guest. On ArbiBase you see how taxes, licensing and insurance are handled before you sign.

Can I allow mid-term stays only?

Yes. Set MTR-only (30+ nights) when you list, and operators who can't meet a rule never see the listing. Mid-term stays of 31+ nights are allowed in Chattanooga, per the Regulations team's verified record.

Does it cost anything to list my Chattanooga property?

No. Listing is free for property owners. Operators pay for the platform; you never do. You are never obligated to sign, and you can decline every proposal at no cost.

Who signs the lease?

The operator signs a standard lease directly with you. ArbiBase is not a party to the lease, and is not a broker or property manager: we don't collect rent, supervise guests or run operations.

How are operators and listings checked in Chattanooga?

Operators' business registration, insurance, track record and references are verified before they can view your listing. A listing is Verified only after signed owner consent, a Greenlight underwriting pass (estimated revenue at least 1.5x the rent) and a check of Chattanooga and ZIP rules for that address.

Read next

Before you sign.

For landlords

Rental arbitrage consent agreement

A clause-by-clause walkthrough of the addendum that allows an operator to host short or mid-term guests.

For landlords

How to vet a rental arbitrage operator before you sign

The documents to ask for and the red flags to watch.

Regulation record

Is Airbnb arbitrage legal in Chattanooga?

The full Chattanooga rules summary: permits, mid-term stays, taxes and what to check.

Market guide

Rental arbitrage in Chattanooga, TN

The operator-side guide: local rules, who books and where operators lease.

More for owners: How ArbiBase works for property owners · All landlord guides

The right Chattanooga operator is yours to approve.

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