2130 N Ralph AveTucsonAZ85712
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 2130 N Ralph Ave, Tucson, AZ, 85712 in Tucson is capital appreciation. Rental yield 3.41%. The 3.41% gross yield at $435,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $120,182 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.63) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $78,487.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.4% | 6.2% |
| Monthly Cash Flow | $(1,335) | $450 |
City averages based on Tucson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,236 |
| Total Monthly Debt Service | $2,398 |
| DSCR Ratio | 0.52x |
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.
Multi Family
Built in 2025
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85712, Tucson, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,246 (100%) |
| Owner Occupied HU | 7,287 (42.3%) |
| Renter Occupied HU | 8,787 (51.0%) |
| Vacant Housing Units | 1,172 ( 6.8%) |
| Median Home Value | $331,481 |
| Average Home Value | $365,623 |
Housing Distribution
Address Breakdown
Residential
16,911
Single Family
12,898
Multi-Family
4,013
Businesses
1,583
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
Multi Family
Built in 2025
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85712, Tucson, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,246 (100%) |
| Owner Occupied HU | 7,287 (42.3%) |
| Renter Occupied HU | 8,787 (51.0%) |
| Vacant Housing Units | 1,172 ( 6.8%) |
| Median Home Value | $331,481 |
| Average Home Value | $365,623 |
Housing Distribution
Address Breakdown
Residential
16,911
Single Family
12,898
Multi-Family
4,013
Businesses
1,583
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices