12732 S Cibola DrTopockAZ86436
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 12732 S Cibola Dr, Topock, AZ, 86436 in Topock. At $259,000 it earns $1,740/mo in rent and distributes $209/mo to the owner after the $1,165/mo payment, a consistent 8.06% yield. DSCR 1.49 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $71,557 in value; $2,385/yr in principal paydown compounds ownership stake. Total projected return: $111,341.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 7.0% |
| Monthly Cash Flow | $209 | $1,200 |
City averages based on Topock market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,740 |
| Total Monthly Debt Service | $1,428 |
| DSCR Ratio | 1.22x |
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 2005
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 86436, Topock, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,739 (100%) |
| Owner Occupied HU | 877 (50.4%) |
| Renter Occupied HU | 175 (10.1%) |
| Vacant Housing Units | 687 (39.5%) |
| Median Home Value | $208,726 |
| Average Home Value | $267,597 |
Housing Distribution
Address Breakdown
Residential
7
Single Family
7
Multi-Family
0
Businesses
39
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 2005
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 86436, Topock, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,739 (100%) |
| Owner Occupied HU | 877 (50.4%) |
| Renter Occupied HU | 175 (10.1%) |
| Vacant Housing Units | 687 (39.5%) |
| Median Home Value | $208,726 |
| Average Home Value | $267,597 |
Housing Distribution
Address Breakdown
Residential
7
Single Family
7
Multi-Family
0
Businesses
39
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dailynn Evans • eXp Realty
Mls Name: WARDEX
Mls Provider:
Mls ID: #029487
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.