What are my options if my tenants are unable to pay rent?

Your options will vary depending on who owns your mortgage, steps taken by your lender to respond to COVID-19 and how the government, at all levels, is committed to providing resources to individuals who have lost their jobs because of COVID-19. Contact your lender to discuss your options. We will know more about how the CARES Act and pending legislation impacts individual renters in the coming weeks.

Federally-Backed Mortgages

If you own a multi-family unit financed through a federally-backed mortgage, the CARES Act impacts you. Contact your loan provider to understand more.

The National Low Income Housing Coalition has just released a database on owners of multi-family units.

HERE is a helpful guide for asking about mortgage forbearance.


Click here for COVID-19 Hardship Deferred Rent Program Description, Payment Plan and Hardship Certification templates. is providing links to resources for landlords. From this page, you can download their report compiled from a survey of participating landlords and renters.

The Chattanooga Apartment Association has a COVID-19 response page for property managers.

For a list of resources for your tenants, visit our Local Resources page.

If you are looking for legal resources to navigate your housing situation, please visit:

CNE Support

Financial Counseling

CNE is providing financial counseling to anyone who needs help in creating a spending plan, prioritizing how to spend cash, what bills get paid, etc. Please contact Ethan Pope at or call 423-756-6256 for help.

Financial Tips

In "Surviving Debt: Expert Advice for Getting Out of Financial Trouble," a team of 20 experts from the National Consumer Law Center (NCLC) walks you through how to rank debts and expenses.

The book starts with six steps to surviving debt. The first step is prioritizing debts whose nonpayment will immediately harm your family. 

High priority: Rent, mortgage, auto loan, utilities and child support.

Low priority: Credit card and medical debt, student loans and debt owed to friends and family.

For all six tips, click here.

Chattanooga Neighborhood Enterprise

1500 Chestnut Street, Suite 102

Chattanooga, TN 37408

P 423.756.6201

F 423.756.3851

Hours: M-F, 9 AM - 5 PM

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© 2019 by Chattanooga Neighborhood Enterprise | Equal Housing Opportunity | NMLS#258489