1310 S Pioneer DriveCottonwoodAZ86326
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 1310 S Pioneer Drive, Cottonwood, AZ, 86326 in Cottonwood. At $290,000 it earns $1,996/mo in rent and distributes $281/mo to the owner after the $1,304/mo payment, a consistent 8.26% yield. DSCR 1.53 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $80,122 in value; $2,671/yr in principal paydown compounds ownership stake. Total projected return: $127,784.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 7.0% |
| Monthly Cash Flow | $281 | $300 |
City averages based on Cottonwood 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 | $1,996 |
| Total Monthly Debt Service | $1,599 |
| DSCR Ratio | 1.25x |
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 1984
9,148 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 1984
9,148 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ruth Rankins • RealtyOneGroup Mountain Desert
Mls Name: ARMLS
Mls Provider:
Mls ID: #7056352
Disclaimer: All information should be verified by the recipient and none is guaranteed as accurate by ARMLS.