12221 W Bell Rd UNIT 249SurpriseAZ85378
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 12221 W Bell Rd UNIT 249, Surprise, AZ, 85378 in Surprise. At $186,500 it earns $1,466/mo in rent and distributes $364/mo to the owner after the $839/mo payment, a consistent 9.44% yield. DSCR 1.75 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $51,527 in value; $1,718/yr in principal paydown compounds ownership stake. Total projected return: $93,882.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 5.8% |
| Monthly Cash Flow | $364 | $1,250 |
City averages based on Surprise market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,466 |
| Total Monthly Debt Service | $1,028 |
| DSCR Ratio | 1.43x |
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.
Apartment
Built in 1987
910 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85378, Surprise, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,249 (100%) |
| Owner Occupied HU | 2,502 (58.9%) |
| Renter Occupied HU | 1,203 (28.3%) |
| Vacant Housing Units | 544 (12.8%) |
| Median Home Value | $355,804 |
| Average Home Value | $452,513 |
Housing Distribution
Address Breakdown
Residential
3,823
Single Family
2,274
Multi-Family
1,549
Businesses
394
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
Apartment
Built in 1987
910 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85378, Surprise, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,249 (100%) |
| Owner Occupied HU | 2,502 (58.9%) |
| Renter Occupied HU | 1,203 (28.3%) |
| Vacant Housing Units | 544 (12.8%) |
| Median Home Value | $355,804 |
| Average Home Value | $452,513 |
Housing Distribution
Address Breakdown
Residential
3,823
Single Family
2,274
Multi-Family
1,549
Businesses
394
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices