2326 E Spruce DrChandlerAZ85286
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 2326 E Spruce Dr, Chandler, AZ, 85286 in Chandler worth study. Rental yield 0%. The 0% gross yield is below cash-flow benchmarks at $439,700, but 5% annual appreciation, adding $121,481 over five years, frames this as a capital growth position. Rent of $2,168/mo partially offsets the $1,977/mo payment. Ziffy Mortgage finances appreciation-play properties (1.10 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $138,458.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 0% | 5.2% |
| Monthly Cash Flow | $0 | $1,850 |
City averages based on Chandler market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,168 |
| Total Monthly Debt Service | $2,424 |
| DSCR Ratio | 0.89x |
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 2000
3,965 sqft lot
$N/A/sqft
No HOA
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 2000
3,965 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lillian M Johnson • Real Broker
Mls Name: ARMLS
Mls Provider:
Mls ID: #6871237
Disclaimer: All information should be verified by the recipient and none is guaranteed as accurate by ARMLS Listing Information presented by local MLS brokerage: Zillow, Inc., Designated REALTOR- Chris Long - (480) 907-1010