3203 S Nina LoopGarden CityUT84028
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 3203 S Nina Loop, Garden City, UT, 84028 in Garden City is narrow, $43/mo net on $1,848/mo rent after the $1,347/mo debt service, but the property operates at break-even-plus, not a loss. At $299,500 with a 7.4% yield, the long-run equity case via 5% appreciation ($82,746 over five years) and $2,758/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.37 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $119,120.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 4.8% |
| Monthly Cash Flow | $43 | $2,400 |
City averages based on Garden City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,848 |
| Total Monthly Debt Service | $1,636 |
| DSCR Ratio | 1.13x |
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 2022
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84028, Garden City, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,297 (100%) |
| Owner Occupied HU | 328 (14.3%) |
| Renter Occupied HU | 82 ( 3.6%) |
| Vacant Housing Units | 1,887 (82.2%) |
| Median Home Value | $589,623 |
| Average Home Value | $601,303 |
Housing Distribution
Address Breakdown
Residential
19
Single Family
19
Multi-Family
0
Businesses
108
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 2022
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84028, Garden City, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,297 (100%) |
| Owner Occupied HU | 328 (14.3%) |
| Renter Occupied HU | 82 ( 3.6%) |
| Vacant Housing Units | 1,887 (82.2%) |
| Median Home Value | $589,623 |
| Average Home Value | $601,303 |
Housing Distribution
Address Breakdown
Residential
19
Single Family
19
Multi-Family
0
Businesses
108
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Roline Artist • Bonneville Realty
Mls Name: UtahRealEstate.com
Mls ID: #2132975