2969 S Whisper StWest Valley CityUT84120
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 2969 S Whisper St, West Valley City, UT, 84120 in West Valley City at $365,000 earns $2,437/mo in rent and nets $153/mo after the $1,641/mo payment, a 8.01% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $100,843 over five years. Ziffy Mortgage underwrites this on a 1.49 DSCR without U.S. credit history. With $3,362/yr in principal paydown, total projected return reaches $157,104.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.8% |
| Monthly Cash Flow | $153 | $1,250 |
City averages based on West Valley City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,437 |
| Total Monthly Debt Service | $1,994 |
| DSCR Ratio | 1.22x |
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 1987
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84120, Salt Lake City, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,061 (100%) |
| Owner Occupied HU | 10,680 (70.9%) |
| Renter Occupied HU | 4,020 (26.7%) |
| Vacant Housing Units | 361 ( 2.4%) |
| Median Home Value | $491,477 |
| Average Home Value | $566,575 |
Housing Distribution
Address Breakdown
Residential
14,466
Single Family
14,127
Multi-Family
339
Businesses
702
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 1987
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84120, Salt Lake City, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,061 (100%) |
| Owner Occupied HU | 10,680 (70.9%) |
| Renter Occupied HU | 4,020 (26.7%) |
| Vacant Housing Units | 361 ( 2.4%) |
| Median Home Value | $491,477 |
| Average Home Value | $566,575 |
Housing Distribution
Address Breakdown
Residential
14,466
Single Family
14,127
Multi-Family
339
Businesses
702
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: UtahRealEstate.com
Mls ID: #2140757