110 Leonard AveCliftonAZ85533
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 110 Leonard Ave, Clifton, AZ, 85533 in Clifton is capital appreciation. Rental yield 5.44%. The 5.44% gross yield at $429,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $118,773 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.01) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $124,452.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 4.0% |
| Monthly Cash Flow | $(591) | $1,200 |
City averages based on Clifton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,950 |
| Total Monthly Debt Service | $2,370 |
| DSCR Ratio | 0.82x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Single Family
Built in 1915
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85533, Clifton, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,006 (100%) |
| Owner Occupied HU | 619 (61.5%) |
| Renter Occupied HU | 210 (20.9%) |
| Vacant Housing Units | 177 (17.6%) |
| Median Home Value | $87,759 |
| Average Home Value | $133,687 |
Housing Distribution
Address Breakdown
Residential
340
Single Family
340
Multi-Family
0
Businesses
42
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
Single Family
Built in 1915
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85533, Clifton, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,006 (100%) |
| Owner Occupied HU | 619 (61.5%) |
| Renter Occupied HU | 210 (20.9%) |
| Vacant Housing Units | 177 (17.6%) |
| Median Home Value | $87,759 |
| Average Home Value | $133,687 |
Housing Distribution
Address Breakdown
Residential
340
Single Family
340
Multi-Family
0
Businesses
42
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices