3103 E Monument PeakPaysonAZ85541
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in Payson at 3103 E Monument Peak, Payson, AZ, 85541 projects strong ROI of 9.67%. Rental yield 3.53%. With 5% annual appreciation, the property builds $826,082 in value over five years. Equity growth combined delivers a projected five-year ROI of 64.33%, translating into $543,346 in total cumulative return on $844,675 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 7.0% |
| Monthly Cash Flow | $(9,136) | $1,200 |
City averages based on Payson market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,797 |
| Total Monthly Debt Service | $16,743 |
| DSCR Ratio | 0.53x |
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 2025
1.07 Acres lot
$N/A/sqft
$775 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85541, Payson, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,383 (100%) |
| Owner Occupied HU | 8,772 (57.0%) |
| Renter Occupied HU | 2,248 (14.6%) |
| Vacant Housing Units | 4,363 (28.4%) |
| Median Home Value | $369,227 |
| Average Home Value | $436,460 |
Housing Distribution
Address Breakdown
Residential
12,773
Single Family
11,913
Multi-Family
860
Businesses
658
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 2025
1.07 Acres lot
$N/A/sqft
$775 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85541, Payson, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,383 (100%) |
| Owner Occupied HU | 8,772 (57.0%) |
| Renter Occupied HU | 2,248 (14.6%) |
| Vacant Housing Units | 4,363 (28.4%) |
| Median Home Value | $369,227 |
| Average Home Value | $436,460 |
Housing Distribution
Address Breakdown
Residential
12,773
Single Family
11,913
Multi-Family
860
Businesses
658
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Stephanie H. Carlock • REALTY EXECUTIVES - SCOTTSDALE 2
Mls Name: CAAR
Mls Provider:
Mls ID: #89846
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.