18629 N 4th DrPhoenixAZ85027
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.73% yield at 18629 N 4th Dr, Phoenix, AZ, 85027 in Phoenix is solid, but the $1,630/mo payment compresses net cash flow to $79/mo at $362,500. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $100,152 by year five, and $3,339/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.43) without U.S. income documentation. Total projected return: $142,580.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.2% |
| Monthly Cash Flow | $79 | $450 |
City averages based on Phoenix market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,336 |
| Total Monthly Debt Service | $2,114 |
| DSCR Ratio | 1.11x |
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 1987
2,548 sqft lot
$N/A/sqft
$115 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85027, Phoenix, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,325 (100%) |
| Owner Occupied HU | 9,789 (56.5%) |
| Renter Occupied HU | 6,231 (36.0%) |
| Vacant Housing Units | 1,305 ( 7.5%) |
| Median Home Value | $376,882 |
| Average Home Value | $434,464 |
Housing Distribution
Address Breakdown
Residential
16,694
Single Family
11,421
Multi-Family
5,273
Businesses
1,913
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 1987
2,548 sqft lot
$N/A/sqft
$115 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85027, Phoenix, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,325 (100%) |
| Owner Occupied HU | 9,789 (56.5%) |
| Renter Occupied HU | 6,231 (36.0%) |
| Vacant Housing Units | 1,305 ( 7.5%) |
| Median Home Value | $376,882 |
| Average Home Value | $434,464 |
Housing Distribution
Address Breakdown
Residential
16,694
Single Family
11,421
Multi-Family
5,273
Businesses
1,913
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
