201 E Pederson DrSaint DavidAZ85630
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 201 E Pederson Dr, Saint David, AZ, 85630 in Saint David the bet is firmly on appreciation. Rental yield 4.47%. The 4.47% gross yield on a $595,000 price is below income-first thresholds, but 5%/yr value growth projects $164,388 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.83) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $141,190.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 6.0% |
| Monthly Cash Flow | $(1,302) | $1,200 |
City averages based on Saint David market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,215 |
| Total Monthly Debt Service | $3,280 |
| DSCR Ratio | 0.68x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1973
1.22 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85630, Saint David, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,327 (100%) |
| Owner Occupied HU | 883 (66.5%) |
| Renter Occupied HU | 171 (12.9%) |
| Vacant Housing Units | 273 (20.6%) |
| Median Home Value | $272,817 |
| Average Home Value | $319,536 |
Housing Distribution
Address Breakdown
Residential
816
Single Family
760
Multi-Family
56
Businesses
45
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 1973
1.22 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85630, Saint David, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,327 (100%) |
| Owner Occupied HU | 883 (66.5%) |
| Renter Occupied HU | 171 (12.9%) |
| Vacant Housing Units | 273 (20.6%) |
| Median Home Value | $272,817 |
| Average Home Value | $319,536 |
Housing Distribution
Address Breakdown
Residential
816
Single Family
760
Multi-Family
56
Businesses
45
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Amanda Zamudio • BIG REALTY Solutions, LLC
Mls Name: MLS of Southern Arizona
Mls Provider:
Mls ID: #22416758
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