21770 W Harding StWittmannAZ85361
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 21770 W Harding St, Wittmann, AZ, 85361 in Wittmann deserves attention. This $292,560 property earns $2,473/mo in rent, a 10.14% gross yield, and nets $744/mo after the $1,316/mo payment. DSCR 1.88 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $80,829 compounds alongside $2,695/yr in yearly equity build, for a total cumulative return of $158,433.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.2% |
| Monthly Cash Flow | $744 | $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 | $2,473 |
| Total Monthly Debt Service | $1,613 |
| DSCR Ratio | 1.53x |
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.
Single Family
Built in 2022
7,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85361, Wittmann, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,261 (100%) |
| Owner Occupied HU | 2,613 (80.1%) |
| Renter Occupied HU | 265 ( 8.1%) |
| Vacant Housing Units | 383 (11.7%) |
| Median Home Value | $531,327 |
| Average Home Value | $549,075 |
Housing Distribution
Address Breakdown
Residential
3,245
Single Family
3,245
Multi-Family
0
Businesses
70
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 2022
7,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85361, Wittmann, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,261 (100%) |
| Owner Occupied HU | 2,613 (80.1%) |
| Renter Occupied HU | 265 ( 8.1%) |
| Vacant Housing Units | 383 (11.7%) |
| Median Home Value | $531,327 |
| Average Home Value | $549,075 |
Housing Distribution
Address Breakdown
Residential
3,245
Single Family
3,245
Multi-Family
0
Businesses
70
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices