12122 N Finch DrFountain HillsAZ85268
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 12122 N Finch Dr, Fountain Hills, AZ, 85268 in Fountain Hills is narrow, $48/mo net on $3,840/mo rent after the $2,786/mo debt service, but the property operates at break-even-plus, not a loss. At $619,500 with a 7.44% yield, the long-run equity case via 5% appreciation ($171,156 over five years) and $5,706/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.38 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $237,820.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 5.0% |
| Monthly Cash Flow | $48 | $1,500 |
City averages based on Fountain Hills market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,840 |
| Total Monthly Debt Service | $3,545 |
| DSCR Ratio | 1.08x |
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.
Single Family
Built in 1994
4,747 sqft lot
$N/A/sqft
$390 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85268, Fountain Hills, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,249 (100%) |
| Owner Occupied HU | 9,938 (69.7%) |
| Renter Occupied HU | 2,006 (14.1%) |
| Vacant Housing Units | 2,305 (16.2%) |
| Median Home Value | $670,983 |
| Average Home Value | $772,614 |
Housing Distribution
Address Breakdown
Residential
14,099
Single Family
9,319
Multi-Family
4,780
Businesses
600
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 1994
4,747 sqft lot
$N/A/sqft
$390 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85268, Fountain Hills, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,249 (100%) |
| Owner Occupied HU | 9,938 (69.7%) |
| Renter Occupied HU | 2,006 (14.1%) |
| Vacant Housing Units | 2,305 (16.2%) |
| Median Home Value | $670,983 |
| Average Home Value | $772,614 |
Housing Distribution
Address Breakdown
Residential
14,099
Single Family
9,319
Multi-Family
4,780
Businesses
600
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Daniel McCallum • HomeSmart Lifestyles
Mls Name: ARMLS
Mls Provider:
Mls ID: #6753161
Disclaimer: All information should be verified by the recipient and none is guaranteed as accurate by ARMLS Listing Information presented by local MLS brokerage: Zillow, Inc., Designated REALTOR- Chris Long - (480) 907-1010