21186 N Palm Desert DrWhite HillsAZ86445
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 21186 N Palm Desert Dr, White Hills, AZ, 86445 in White Hills deserves attention. This $193,900 property earns $1,830/mo in rent, a 11.33% gross yield, and nets $674/mo after the $872/mo payment. DSCR 2.10 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $53,571 compounds alongside $1,786/yr in yearly equity build, for a total cumulative return of $116,748.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 6.2% |
| Monthly Cash Flow | $674 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,830 |
| Total Monthly Debt Service | $1,079 |
| DSCR Ratio | 1.70x |
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.
Manufactured
Built in 2021
1.02 Acres lot
$N/A/sqft
$116 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 86445, Willow Beach, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 403 (100%) |
| Owner Occupied HU | 189 (46.9%) |
| Renter Occupied HU | 19 ( 4.7%) |
| Vacant Housing Units | 195 (48.4%) |
| Median Home Value | $72,500 |
| Average Home Value | $120,542 |
Housing Distribution
Address Breakdown
Residential
308
Single Family
166
Multi-Family
142
Businesses
5
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
Manufactured
Built in 2021
1.02 Acres lot
$N/A/sqft
$116 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 86445, Willow Beach, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 403 (100%) |
| Owner Occupied HU | 189 (46.9%) |
| Renter Occupied HU | 19 ( 4.7%) |
| Vacant Housing Units | 195 (48.4%) |
| Median Home Value | $72,500 |
| Average Home Value | $120,542 |
Housing Distribution
Address Breakdown
Residential
308
Single Family
166
Multi-Family
142
Businesses
5
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Richard Irminger • BH Keller Williams Arizona Living Realty
Mls Name: WARDEX
Mls Provider:
Mls ID: #028957
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.