3101 E Campbell AvePhoenixAZ85016
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 3101 E Campbell Ave, Phoenix, AZ, 85016 in Phoenix the bet is firmly on appreciation. Rental yield 5.83%. The 5.83% gross yield on a $839,900 price is below income-first thresholds, but 5%/yr value growth projects $232,049 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (1.08) 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: $260,561.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 6.2% |
| Monthly Cash Flow | $(885) | $450 |
City averages based on Phoenix market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,080 |
| Total Monthly Debt Service | $4,631 |
| DSCR Ratio | 0.88x |
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 1951
10,363 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85016, Phoenix, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,297 (100%) |
| Owner Occupied HU | 9,257 (43.5%) |
| Renter Occupied HU | 9,498 (44.6%) |
| Vacant Housing Units | 2,542 (11.9%) |
| Median Home Value | $625,388 |
| Average Home Value | $702,882 |
Housing Distribution
Address Breakdown
Residential
20,383
Single Family
8,164
Multi-Family
12,219
Businesses
2,170
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 1951
10,363 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85016, Phoenix, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,297 (100%) |
| Owner Occupied HU | 9,257 (43.5%) |
| Renter Occupied HU | 9,498 (44.6%) |
| Vacant Housing Units | 2,542 (11.9%) |
| Median Home Value | $625,388 |
| Average Home Value | $702,882 |
Housing Distribution
Address Breakdown
Residential
20,383
Single Family
8,164
Multi-Family
12,219
Businesses
2,170
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices