135 N Station CirPaysonAZ85541
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 135 N Station Cir, Payson, AZ, 85541 in Payson is narrow, $14/mo net on $2,602/mo rent after the $1,956/mo debt service, but the property operates at break-even-plus, not a loss. At $435,000 with a 7.18% yield, the long-run equity case via 5% appreciation ($120,182 over five years) and $4,006/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.33 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $165,439.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 7.0% |
| Monthly Cash Flow | $14 | $1,200 |
City averages based on Payson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,602 |
| Total Monthly Debt Service | $2,415 |
| DSCR Ratio | 1.08x |
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 1995
10,018 sqft lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85541, Payson, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,383 (100%) |
| Owner Occupied HU | 8,772 (57.0%) |
| Renter Occupied HU | 2,248 (14.6%) |
| Vacant Housing Units | 4,363 (28.4%) |
| Median Home Value | $369,227 |
| Average Home Value | $436,460 |
Housing Distribution
Address Breakdown
Residential
12,773
Single Family
11,913
Multi-Family
860
Businesses
658
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 1995
10,018 sqft lot
$N/A/sqft
$200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85541, Payson, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,383 (100%) |
| Owner Occupied HU | 8,772 (57.0%) |
| Renter Occupied HU | 2,248 (14.6%) |
| Vacant Housing Units | 4,363 (28.4%) |
| Median Home Value | $369,227 |
| Average Home Value | $436,460 |
Housing Distribution
Address Breakdown
Residential
12,773
Single Family
11,913
Multi-Family
860
Businesses
658
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jacob Rockwell • EXP Realty, LLC - PEORIA
Mls Name: CAAR
Mls Provider:
Mls ID: #91526
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.