185 W 1st St SSaint JohnsAZ85936
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 185 W 1st St S, Saint Johns, AZ, 85936 in Saint Johns. Priced at $189,000, it generates $1,618/mo in gross rent and $500/mo in net monthly cash flow, a 10.27% yield that comfortably supports the 1.90 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $6,005. Five-year appreciation: $52,217. Equity from principal paydown: $1,741/yr. Total projected cumulative return: $103,667.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 8.0% |
| Monthly Cash Flow | $500 | $400 |
City averages based on Saint Johns market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,618 |
| Total Monthly Debt Service | $1,042 |
| DSCR Ratio | 1.55x |
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 1945
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85936, Saint Johns, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,667 (100%) |
| Owner Occupied HU | 1,047 (62.8%) |
| Renter Occupied HU | 276 (16.6%) |
| Vacant Housing Units | 344 (20.6%) |
| Median Home Value | $168,905 |
| Average Home Value | $208,574 |
Housing Distribution
Address Breakdown
Residential
29
Single Family
29
Multi-Family
0
Businesses
150
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 1945
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85936, Saint Johns, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,667 (100%) |
| Owner Occupied HU | 1,047 (62.8%) |
| Renter Occupied HU | 276 (16.6%) |
| Vacant Housing Units | 344 (20.6%) |
| Median Home Value | $168,905 |
| Average Home Value | $208,574 |
Housing Distribution
Address Breakdown
Residential
29
Single Family
29
Multi-Family
0
Businesses
150
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Angela Olivas • Mountain Retreat Realty Expert
Mls Name: WMAOR
Mls Provider:
Mls ID: #253217
Disclaimer: Copyright 2025, Last Updated: 2025-01-30 00:20:04 PST, Listing data deemed reliable but not guaranteed.