2904 S Cardinal LnPinetopAZ85935
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 2904 S Cardinal Ln, Pinetop, AZ, 85935 in Pinetop deserves attention. This $315,000 property earns $2,627/mo in rent, a 10.01% gross yield, and nets $765/mo after the $1,416/mo payment. DSCR 1.86 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $87,029 compounds alongside $2,901/yr in yearly equity build, for a total cumulative return of $168,334.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10% | 8.0% |
| Monthly Cash Flow | $765 | $1,200 |
City averages based on Pinetop market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,627 |
| Total Monthly Debt Service | $1,737 |
| DSCR Ratio | 1.51x |
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.
Manufactured
Built in 1997
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85935, Pinetop, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,328 (100%) |
| Owner Occupied HU | 1,403 (26.3%) |
| Renter Occupied HU | 373 ( 7.0%) |
| Vacant Housing Units | 3,552 (66.7%) |
| Median Home Value | $432,586 |
| Average Home Value | $483,642 |
Housing Distribution
Address Breakdown
Residential
2,666
Single Family
2,611
Multi-Family
55
Businesses
237
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
Manufactured
Built in 1997
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85935, Pinetop, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,328 (100%) |
| Owner Occupied HU | 1,403 (26.3%) |
| Renter Occupied HU | 373 ( 7.0%) |
| Vacant Housing Units | 3,552 (66.7%) |
| Median Home Value | $432,586 |
| Average Home Value | $483,642 |
Housing Distribution
Address Breakdown
Residential
2,666
Single Family
2,611
Multi-Family
55
Businesses
237
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices