310 E Birch Ave #205FlagstaffAZ86001
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 310 E Birch Ave #205, Flagstaff, AZ, 86001 in Flagstaff is capital appreciation. Rental yield 3.81%. The 3.81% gross yield at $645,905 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $178,452 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.71) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $130,546.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 6.0% |
| Monthly Cash Flow | $(1,766) | $1,200 |
City averages based on Flagstaff market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,052 |
| Total Monthly Debt Service | $3,561 |
| DSCR Ratio | 0.58x |
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.
Condo
Built in 2025
0.54 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 86001, Flagstaff, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,498 (100%) |
| Owner Occupied HU | 5,718 (36.9%) |
| Renter Occupied HU | 7,610 (49.1%) |
| Vacant Housing Units | 2,170 (14.0%) |
| Median Home Value | $617,005 |
| Average Home Value | $643,322 |
Housing Distribution
Address Breakdown
Residential
15,233
Single Family
6,309
Multi-Family
8,924
Businesses
1,438
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
Condo
Built in 2025
0.54 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 86001, Flagstaff, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,498 (100%) |
| Owner Occupied HU | 5,718 (36.9%) |
| Renter Occupied HU | 7,610 (49.1%) |
| Vacant Housing Units | 2,170 (14.0%) |
| Median Home Value | $617,005 |
| Average Home Value | $643,322 |
Housing Distribution
Address Breakdown
Residential
15,233
Single Family
6,309
Multi-Family
8,924
Businesses
1,438
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices