225 S Main StMonaUT84645
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 225 S Main St, Mona, UT, 84645 in Mona. Rental yield 4.7%. At $409,000 with 4.7% gross yield, current distributions are modest, but the 5% appreciation rate projects $112,999 in new equity by year five, complemented by $3,767/yr in principal paydown. Ziffy Mortgage's DSCR loan (1.15) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $135,973.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 6.2% |
| Monthly Cash Flow | $(828) | $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 | $2,109 |
| Total Monthly Debt Service | $2,234 |
| DSCR Ratio | 0.94x |
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 1942
0.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84645, Mona, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 829 (100%) |
| Owner Occupied HU | 670 (80.8%) |
| Renter Occupied HU | 128 (15.4%) |
| Vacant Housing Units | 31 ( 3.7%) |
| Median Home Value | $473,832 |
| Average Home Value | $558,090 |
Housing Distribution
Address Breakdown
Residential
288
Single Family
56
Multi-Family
232
Businesses
51
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 1942
0.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84645, Mona, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 829 (100%) |
| Owner Occupied HU | 670 (80.8%) |
| Renter Occupied HU | 128 (15.4%) |
| Vacant Housing Units | 31 ( 3.7%) |
| Median Home Value | $473,832 |
| Average Home Value | $558,090 |
Housing Distribution
Address Breakdown
Residential
288
Single Family
56
Multi-Family
232
Businesses
51
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices