2649 N 1100 ELaytonUT84040
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 2649 N 1100 E, Layton, UT, 84040 in Layton is narrow, $51/mo net on $3,137/mo rent after the $2,362/mo debt service, but the property operates at break-even-plus, not a loss. At $525,300 with a 7.17% yield, the long-run equity case via 5% appreciation ($145,131 over five years) and $4,838/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.33 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $201,799.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 5.8% |
| Monthly Cash Flow | $51 | $1,850 |
City averages based on Layton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,137 |
| Total Monthly Debt Service | $2,877 |
| DSCR Ratio | 1.09x |
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 1998
7,840 sqft lot
$N/A/sqft
$7 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84040, Layton, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,227 (100%) |
| Owner Occupied HU | 7,626 (82.6%) |
| Renter Occupied HU | 1,389 (15.1%) |
| Vacant Housing Units | 212 ( 2.3%) |
| Median Home Value | $616,598 |
| Average Home Value | $643,334 |
Housing Distribution
Address Breakdown
Residential
8,864
Single Family
8,743
Multi-Family
121
Businesses
120
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 1998
7,840 sqft lot
$N/A/sqft
$7 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84040, Layton, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,227 (100%) |
| Owner Occupied HU | 7,626 (82.6%) |
| Renter Occupied HU | 1,389 (15.1%) |
| Vacant Housing Units | 212 ( 2.3%) |
| Median Home Value | $616,598 |
| Average Home Value | $643,334 |
Housing Distribution
Address Breakdown
Residential
8,864
Single Family
8,743
Multi-Family
121
Businesses
120
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices