12712 N Upper Loma Linda RdPima CountyAZ85619
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 12712 N Upper Loma Linda Rd, Pima County, AZ, 85619 in Pima County. Rental yield 2.97%. At $595,000 with 2.97% gross yield, current distributions are modest, but the 5% appreciation rate projects $164,388 in new equity by year five, complemented by $5,480/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.55) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $93,562.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3% | 7.0% |
| Monthly Cash Flow | $(2,042) | $300 |
City averages based on Pima County market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,475 |
| Total Monthly Debt Service | $3,280 |
| DSCR Ratio | 0.45x |
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 1953
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85619, Mount Lemmon, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 449 (100%) |
| Owner Occupied HU | 71 (15.8%) |
| Renter Occupied HU | 4 ( 0.9%) |
| Vacant Housing Units | 374 (83.3%) |
| Median Home Value | $575,000 |
| Average Home Value | $679,225 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
27
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 1953
0.38 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85619, Mount Lemmon, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 449 (100%) |
| Owner Occupied HU | 71 (15.8%) |
| Renter Occupied HU | 4 ( 0.9%) |
| Vacant Housing Units | 374 (83.3%) |
| Median Home Value | $575,000 |
| Average Home Value | $679,225 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
27
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLS of Southern Arizona
Mls ID: #22610693