109 S Young RdPaysonAZ85541
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeReliable, bankable, and well-priced, 109 S Young Rd, Payson, AZ, 85541 in Payson delivers $2,705/mo in gross rent and $740/mo in net monthly income at a $330,000 entry. The 9.84% yield and 1.82 DSCR make it a clean candidate for Ziffy Mortgage's DSCR loan; no W-2s or U.S. credit history required. With 5% annual appreciation projecting $91,173 over five years and $3,039/yr in equity from loan paydown, total projected return is $172,395.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 7.0% |
| Monthly Cash Flow | $740 | $1,200 |
City averages based on Payson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,705 |
| Total Monthly Debt Service | $1,834 |
| DSCR Ratio | 1.47x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Manufactured
Built in 1987
0.26 Acres lot
$N/A/sqft
$175 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85541, Payson, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,383 (100%) |
| Owner Occupied HU | 8,772 (57.0%) |
| Renter Occupied HU | 2,248 (14.6%) |
| Vacant Housing Units | 4,363 (28.4%) |
| Median Home Value | $369,227 |
| Average Home Value | $436,460 |
Housing Distribution
Address Breakdown
Residential
12,773
Single Family
11,913
Multi-Family
860
Businesses
658
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Manufactured
Built in 1987
0.26 Acres lot
$N/A/sqft
$175 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85541, Payson, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,383 (100%) |
| Owner Occupied HU | 8,772 (57.0%) |
| Renter Occupied HU | 2,248 (14.6%) |
| Vacant Housing Units | 4,363 (28.4%) |
| Median Home Value | $369,227 |
| Average Home Value | $436,460 |
Housing Distribution
Address Breakdown
Residential
12,773
Single Family
11,913
Multi-Family
860
Businesses
658
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Phil Hopkins • Desert 2 Mountain Realty
Mls Name: CAAR
Mls Provider:
Mls ID: #92390
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.