12245 E 39th StYumaAZ85367
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors who value predictability will appreciate 12245 E 39th St, Yuma, AZ, 85367 in Yuma. At $170,000 it earns $1,463/mo in rent and distributes $458/mo to the owner after the $764/mo payment, a consistent 10.33% yield. DSCR 1.91 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $46,968 in value; $1,566/yr in principal paydown compounds ownership stake. Total projected return: $93,804.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 5.8% |
| Monthly Cash Flow | $458 | $420 |
City averages based on Yuma market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,463 |
| Total Monthly Debt Service | $937 |
| DSCR Ratio | 1.56x |
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 2008
6,688 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85367, Yuma, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,076 (100%) |
| Owner Occupied HU | 9,321 (51.6%) |
| Renter Occupied HU | 1,565 ( 8.7%) |
| Vacant Housing Units | 7,190 (39.8%) |
| Median Home Value | $270,443 |
| Average Home Value | $280,380 |
Housing Distribution
Address Breakdown
Residential
14,687
Single Family
13,215
Multi-Family
1,472
Businesses
343
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 2008
6,688 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85367, Yuma, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,076 (100%) |
| Owner Occupied HU | 9,321 (51.6%) |
| Renter Occupied HU | 1,565 ( 8.7%) |
| Vacant Housing Units | 7,190 (39.8%) |
| Median Home Value | $270,443 |
| Average Home Value | $280,380 |
Housing Distribution
Address Breakdown
Residential
14,687
Single Family
13,215
Multi-Family
1,472
Businesses
343
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ruby Zunino • Realty One Group Gateway
Mls Name: YARMLS
Mls Provider:
Mls ID: #20253731
Disclaimer: This data is provided by the Yuma Association of REALTORS, Inc. Multiple Listing Service. Real Estate listings held by brokerage firms other than Zillow, Inc. are marked with the Broker Reciprocity(SM) logo or the Broker Reciprocity thumbnail logo. This information is deemed reliable, but not guaranteed.