13281 N Hammerstone LnOro ValleyAZ85755
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 13281 N Hammerstone Ln, Oro Valley, AZ, 85755 in Oro Valley: $3,018/mo in rent, $719/mo in net income, 9.31% gross yield, 1.73 DSCR, all at $389,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $107,474 in appreciation and $3,583/yr in principal paydown projects total cumulative return of $193,305.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.5% |
| Monthly Cash Flow | $719 | $1,800 |
City averages based on Oro Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,018 |
| Total Monthly Debt Service | $2,145 |
| DSCR Ratio | 1.41x |
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 1998
7,405 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 1998
7,405 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Melissa Dawn Rich • Tierra Antigua Realty
Mls Name: MLS of Southern Arizona
Mls ID: #22524908