13106 S Cove PkwyTopockAZ86436
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 13106 S Cove Pkwy, Topock, AZ, 86436 in Topock is narrow, $191/mo net on $835/mo rent after the $490/mo debt service, but the property operates at break-even-plus, not a loss. At $109,000 with a 9.19% yield, the long-run equity case via 5% appreciation ($30,115 over five years) and $1,004/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.70 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $53,517.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 7.0% |
| Monthly Cash Flow | $191 | $1,200 |
City averages based on Topock market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $835 |
| Total Monthly Debt Service | $601 |
| DSCR Ratio | 1.39x |
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 1983
0.28 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 1983
0.28 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: Golden Corniel Bean • Innovative Property Solutions
Mls Name: WARDEX
Mls Provider:
Mls ID: #019817
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.