1381 S 675 EVernalUT84078
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Vernal rental at 1381 S 675 E, Vernal, UT, 84078 sits in the solid-income band: 9.99% gross yield, $1,549/mo rent, $319/mo net after the $836/mo debt service, DSCR 1.85. Entry price of $186,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $51,388 and $1,713/yr in principal reduction bring total cumulative return to $91,450.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 6.2% |
| Monthly Cash Flow | $319 | $450 |
City averages based on Vernal market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,549 |
| Total Monthly Debt Service | $1,156 |
| DSCR Ratio | 1.34x |
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.
Townhouse
Built in 2009
871.20 sqft lot
$N/A/sqft
$140 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84078, Vernal, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,967 (100%) |
| Owner Occupied HU | 7,420 (62.0%) |
| Renter Occupied HU | 3,345 (28.0%) |
| Vacant Housing Units | 1,202 (10.0%) |
| Median Home Value | $370,853 |
| Average Home Value | $424,813 |
Housing Distribution
Address Breakdown
Residential
10,614
Single Family
10,565
Multi-Family
49
Businesses
1,076
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
Townhouse
Built in 2009
871.20 sqft lot
$N/A/sqft
$140 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84078, Vernal, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,967 (100%) |
| Owner Occupied HU | 7,420 (62.0%) |
| Renter Occupied HU | 3,345 (28.0%) |
| Vacant Housing Units | 1,202 (10.0%) |
| Median Home Value | $370,853 |
| Average Home Value | $424,813 |
Housing Distribution
Address Breakdown
Residential
10,614
Single Family
10,565
Multi-Family
49
Businesses
1,076
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices