1261 E Villa Maria DrPhoenixAZ85022
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 1261 E Villa Maria Dr, Phoenix, AZ, 85022 in Phoenix at $509,850 earns $3,080/mo in rent and nets $39/mo after the $2,293/mo payment, a 7.25% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $140,862 over five years. Ziffy Mortgage underwrites this on a 1.34 DSCR without U.S. credit history. With $4,696/yr in principal paydown, total projected return reaches $196,953.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $39 | $450 |
City averages based on Phoenix market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,080 |
| Total Monthly Debt Service | $2,811 |
| DSCR Ratio | 1.10x |
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 1992
7,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85022, Phoenix, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,755 (100%) |
| Owner Occupied HU | 13,479 (54.4%) |
| Renter Occupied HU | 9,856 (39.8%) |
| Vacant Housing Units | 1,420 ( 5.7%) |
| Median Home Value | $451,289 |
| Average Home Value | $498,344 |
Housing Distribution
Address Breakdown
Residential
22,657
Single Family
14,089
Multi-Family
8,568
Businesses
784
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 1992
7,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85022, Phoenix, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,755 (100%) |
| Owner Occupied HU | 13,479 (54.4%) |
| Renter Occupied HU | 9,856 (39.8%) |
| Vacant Housing Units | 1,420 ( 5.7%) |
| Median Home Value | $451,289 |
| Average Home Value | $498,344 |
Housing Distribution
Address Breakdown
Residential
22,657
Single Family
14,089
Multi-Family
8,568
Businesses
784
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices