2020 W UNION HILLS Drive #162PhoenixAZ85027
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 2020 W UNION HILLS Drive #162, Phoenix, AZ, 85027 in Phoenix at $190,000 earns $1,465/mo in rent and nets $6/mo after the $854/mo payment, a 9.25% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $52,494 over five years. Ziffy Mortgage underwrites this on a 1.72 DSCR without U.S. credit history. With $1,750/yr in principal paydown, total projected return reaches $93,831.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $6 | $450 |
City averages based on Phoenix market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,465 |
| Total Monthly Debt Service | $1,048 |
| DSCR Ratio | 1.40x |
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.
Apartment
Built in 1985
1,612 sqft lot
$N/A/sqft
No 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
Apartment
Built in 1985
1,612 sqft lot
$N/A/sqft
No 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