12302 E Sutter Mill StTucsonAZ85749
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 12302 E Sutter Mill St, Tucson, AZ, 85749 in Tucson at $723,900 earns $4,418/mo in rent and nets $139/mo after the $3,255/mo payment, a 7.32% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $200,000 over five years. Ziffy Mortgage underwrites this on a 1.36 DSCR without U.S. credit history. With $6,667/yr in principal paydown, total projected return reaches $282,614.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $139 | $450 |
City averages based on Tucson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,418 |
| Total Monthly Debt Service | $3,991 |
| DSCR Ratio | 1.11x |
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 1979
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85749, Tucson, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,210 (100%) |
| Owner Occupied HU | 7,086 (76.9%) |
| Renter Occupied HU | 1,410 (15.3%) |
| Vacant Housing Units | 714 ( 7.8%) |
| Median Home Value | $565,682 |
| Average Home Value | $614,899 |
Housing Distribution
Address Breakdown
Residential
8,270
Single Family
7,533
Multi-Family
737
Businesses
118
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 1979
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85749, Tucson, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,210 (100%) |
| Owner Occupied HU | 7,086 (76.9%) |
| Renter Occupied HU | 1,410 (15.3%) |
| Vacant Housing Units | 714 ( 7.8%) |
| Median Home Value | $565,682 |
| Average Home Value | $614,899 |
Housing Distribution
Address Breakdown
Residential
8,270
Single Family
7,533
Multi-Family
737
Businesses
118
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices