16197 N 157th AveSurpriseAZ85374
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 16197 N 157th Ave, Surprise, AZ, 85374 in Surprise is a conservative rental investment at $580,000. Rental yield 6.68%. A 1.24 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $160,243; $5,342/yr in principal paydown supplements. Total projected return: $204,497.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 5.8% |
| Monthly Cash Flow | $(232) | $1,250 |
City averages based on Surprise market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,227 |
| Total Monthly Debt Service | $3,228 |
| DSCR Ratio | 1.00x |
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 1999
9,709 sqft lot
$N/A/sqft
$90 quarterly 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
Single Family
Built in 1999
9,709 sqft lot
$N/A/sqft
$90 quarterly 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
