16526 W Desert LnSurpriseAZ85388
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder16526 W Desert Ln, Surprise, AZ, 85388 in Surprise earns a respectable 7.32% gross yield at $439,900, but after the $1,978/mo mortgage the net cash flow is $14/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.36) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $121,536 over five years, making equity the dominant return driver. Total projected return: $167,468.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 5.8% |
| Monthly Cash Flow | $14 | $1,250 |
City averages based on Surprise market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,683 |
| Total Monthly Debt Service | $2,494 |
| DSCR Ratio | 1.08x |
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 2003
7,439 sqft lot
$N/A/sqft
$69 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 2003
7,439 sqft lot
$N/A/sqft
$69 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Gregory R Janis • Redfin Corporation
Mls Name: ARMLS
Mls Provider:
Mls ID: #6834950
Disclaimer: All information should be verified by the recipient and none is guaranteed as accurate by ARMLS Listing Information presented by local MLS brokerage: Zillow, Inc., Designated REALTOR- Chris Long - (480) 907-1010