1430 E ROMLEY AvenuePhoenixAZ85040
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 1430 E ROMLEY Avenue, Phoenix, AZ, 85040 in Phoenix is narrow, $44/mo net on $2,040/mo rent after the $1,511/mo debt service, but the property operates at break-even-plus, not a loss. At $335,990 with a 7.29% yield, the long-run equity case via 5% appreciation ($92,828 over five years) and $3,095/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.35 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $130,478.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $44 | $450 |
City averages based on Phoenix market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,040 |
| Total Monthly Debt Service | $1,852 |
| DSCR Ratio | 1.10x |
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 2004
2,510 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85040, Phoenix, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,360 (100%) |
| Owner Occupied HU | 5,938 (48.0%) |
| Renter Occupied HU | 5,603 (45.3%) |
| Vacant Housing Units | 819 ( 6.6%) |
| Median Home Value | $346,113 |
| Average Home Value | $421,162 |
Housing Distribution
Address Breakdown
Residential
11,274
Single Family
7,244
Multi-Family
4,030
Businesses
2,103
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 2004
2,510 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85040, Phoenix, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,360 (100%) |
| Owner Occupied HU | 5,938 (48.0%) |
| Renter Occupied HU | 5,603 (45.3%) |
| Vacant Housing Units | 819 ( 6.6%) |
| Median Home Value | $346,113 |
| Average Home Value | $421,162 |
Housing Distribution
Address Breakdown
Residential
11,274
Single Family
7,244
Multi-Family
4,030
Businesses
2,103
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices