12635 E 44th DrYumaAZ85367
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 12635 E 44th Dr, Yuma, AZ, 85367 in Yuma at $234,900 earns $1,412/mo in rent and nets $24/mo after the $1,056/mo payment, a 7.22% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $64,899 over five years. Ziffy Mortgage underwrites this on a 1.34 DSCR without U.S. credit history. With $2,163/yr in principal paydown, total projected return reaches $90,359.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 5.8% |
| Monthly Cash Flow | $24 | $420 |
City averages based on Yuma market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,412 |
| Total Monthly Debt Service | $1,295 |
| DSCR Ratio | 1.09x |
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 2000
N/A 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 2000
N/A 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