176 E 4635 NProvoUT84604
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 176 E 4635 N, Provo, UT, 84604 in Provo: $2,610/mo in rent, $348/mo in net income, 8.11% gross yield, 1.50 DSCR, all at $386,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $106,645 in appreciation and $3,555/yr in principal paydown projects total cumulative return of $168,164.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.2% |
| Monthly Cash Flow | $348 | $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 | $2,610 |
| Total Monthly Debt Service | $2,109 |
| DSCR Ratio | 1.24x |
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.
Townhouse
Built in 1972
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84604, Provo, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,565 (100%) |
| Owner Occupied HU | 6,339 (43.5%) |
| Renter Occupied HU | 7,103 (48.8%) |
| Vacant Housing Units | 1,123 ( 7.7%) |
| Median Home Value | $690,851 |
| Average Home Value | $759,657 |
Housing Distribution
Address Breakdown
Residential
13,687
Single Family
12,558
Multi-Family
1,129
Businesses
924
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
Townhouse
Built in 1972
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84604, Provo, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,565 (100%) |
| Owner Occupied HU | 6,339 (43.5%) |
| Renter Occupied HU | 7,103 (48.8%) |
| Vacant Housing Units | 1,123 ( 7.7%) |
| Median Home Value | $690,851 |
| Average Home Value | $759,657 |
Housing Distribution
Address Breakdown
Residential
13,687
Single Family
12,558
Multi-Family
1,129
Businesses
924
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices