125 E Monterey DrCedar CityUT84720
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play125 E Monterey Dr, Cedar City, UT, 84720 in Cedar City is priced for appreciation, not yield. Rental yield 5.54%. At $324,900 with a 5.54% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $89,764 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.03) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $96,645.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 5.8% |
| Monthly Cash Flow | $(405) | $1,250 |
City averages based on Cedar City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,499 |
| Total Monthly Debt Service | $1,775 |
| DSCR Ratio | 0.84x |
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 1958
8,712 sqft lot
$N/A/sqft
No HOA
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 1958
8,712 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: DILLON W SAVAGE • PRESIDIO REAL ESTATE ST GEORGE
Mls Name: WCBR
Mls ID: #25-257463
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