18854 W Poinsettia DrSurpriseAZ85388
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 18854 W Poinsettia Dr, Surprise, AZ, 85388 in Surprise is capital appreciation. Rental yield 5.57%. The 5.57% gross yield at $515,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $142,285 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.98) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $136,855.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 5.8% |
| Monthly Cash Flow | $(755) | $1,250 |
City averages based on Surprise market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,389 |
| Total Monthly Debt Service | $3,065 |
| DSCR Ratio | 0.78x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2021
7,560 sqft lot
$N/A/sqft
$100 monthly HOA
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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
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Listed by: Megan Fernandez • Coldwell Banker Realty
Mls Name: ARMLS
Mls Provider:
Mls ID: #6886292
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
