14300 W BELL Road #440SurpriseAZ85374
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 14300 W BELL Road #440, Surprise, AZ, 85374 in Surprise achieves 1.69, rent of $1,511/mo covers the $895/mo payment 1.5x over at $199,000. Rental yield 9.11%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $54,980 over five years, with $1,833/yr in principal reduction bringing total projected return to $66,342.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 5.8% |
| Monthly Cash Flow | $(172) | $1,250 |
City averages based on Surprise market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,511 |
| Total Monthly Debt Service | $1,604 |
| DSCR Ratio | 0.94x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Apartment
Built in 1987
1,039 sqft lot
$N/A/sqft
$507 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85374, Surprise, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,170 (100%) |
| Owner Occupied HU | 14,782 (63.8%) |
| Renter Occupied HU | 4,669 (20.2%) |
| Vacant Housing Units | 3,719 (16.1%) |
| Median Home Value | $439,170 |
| Average Home Value | $500,015 |
Housing Distribution
Address Breakdown
Residential
20,371
Single Family
16,121
Multi-Family
4,250
Businesses
1,232
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
Apartment
Built in 1987
1,039 sqft lot
$N/A/sqft
$507 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85374, Surprise, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,170 (100%) |
| Owner Occupied HU | 14,782 (63.8%) |
| Renter Occupied HU | 4,669 (20.2%) |
| Vacant Housing Units | 3,719 (16.1%) |
| Median Home Value | $439,170 |
| Average Home Value | $500,015 |
Housing Distribution
Address Breakdown
Residential
20,371
Single Family
16,121
Multi-Family
4,250
Businesses
1,232
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
