158 E Cottonwood LoopSaratoga SpringsUT84045
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 158 E Cottonwood Loop, Saratoga Springs, UT, 84045 in Saratoga Springs. Rental yield 5.74%. At $975,000 with 5.74% gross yield, current distributions are modest, but the 5% appreciation rate projects $269,375 in new equity by year five, complemented by $8,980/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.06) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $293,045.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 6.2% |
| Monthly Cash Flow | $(1,179) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $4,661 |
| Total Monthly Debt Service | $5,452 |
| DSCR Ratio | 0.85x |
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.
Single Family
Built in 2001
0.38 Acres lot
$N/A/sqft
$125 monthly 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 2001
0.38 Acres lot
$N/A/sqft
$125 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jill Howell • Modern and Main, LLC
Mls Name: UtahRealEstate.com
Mls Provider:
Mls ID: #2070681
Disclaimer: Based on information from the Wasatch Front Regional Multiple Listing Service, Inc. as of 2025-03-18 11:24:32 PDT. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or the MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. [Click here for more information](/mls-disclaimers/#319)