2566 S Cottonrose LnFlagstaffAZ86005
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 2566 S Cottonrose Ln, Flagstaff, AZ, 86005 in Flagstaff the bet is firmly on appreciation. Rental yield 2.33%. The 2.33% gross yield on a $1,850,000 price is below income-first thresholds, but 5%/yr value growth projects $511,121 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.43) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $223,240.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.3% | 6.0% |
| Monthly Cash Flow | $(7,401) | $1,200 |
City averages based on Flagstaff market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,585 |
| Total Monthly Debt Service | $10,250 |
| DSCR Ratio | 0.35x |
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 2023
8,114 sqft lot
$N/A/sqft
$50 monthly 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 2023
8,114 sqft lot
$N/A/sqft
$50 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Erin Irwin • Coldwell Banker Northland
Mls Name: ARMLS
Mls Provider:
Mls ID: #6876360
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