3180 Porter AveOgdenUT84403
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 3180 Porter Ave, Ogden, UT, 84403 in Ogden fits: $389,000, 5.21% gross yield, and a projected 5% annual appreciation rate adding $107,474 in value within five years. Rental yield 5.21%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.14) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $3,583/yr in principal paydown and $107,474 in appreciation project a total return of $128,169.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.2% |
| Monthly Cash Flow | $(590) | $450 |
City averages based on Ogden market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,988 |
| Total Monthly Debt Service | $2,125 |
| DSCR Ratio | 0.94x |
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 1897
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84403, Ogden, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,702 (100%) |
| Owner Occupied HU | 9,162 (62.3%) |
| Renter Occupied HU | 4,954 (33.7%) |
| Vacant Housing Units | 586 ( 4.0%) |
| Median Home Value | $519,613 |
| Average Home Value | $601,892 |
Housing Distribution
Address Breakdown
Residential
14,015
Single Family
13,060
Multi-Family
955
Businesses
731
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 1897
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84403, Ogden, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,702 (100%) |
| Owner Occupied HU | 9,162 (62.3%) |
| Renter Occupied HU | 4,954 (33.7%) |
| Vacant Housing Units | 586 ( 4.0%) |
| Median Home Value | $519,613 |
| Average Home Value | $601,892 |
Housing Distribution
Address Breakdown
Residential
14,015
Single Family
13,060
Multi-Family
955
Businesses
731
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cori Vanderbeek • Intermountain Properties
Mls Name: UtahRealEstate.com
Mls Provider:
Mls ID: #2088117
Disclaimer: Based on information from the Wasatch Front Regional Multiple Listing Service, Inc. as of 2025-05-30 11:51:54 PDT. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or the MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. [Click here for more information](/mls-disclaimers/#319)