3223 S Nina LoopGarden CityUT84028
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 3223 S Nina Loop, Garden City, UT, 84028 in Garden City earns a 9.41% gross yield at $188,000. Rent of $1,474/mo nets $322/mo after the $845/mo mortgage. The 1.74 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $51,941 and $1,732/yr in equity accumulation project a total cumulative return of $92,022.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 4.8% |
| Monthly Cash Flow | $322 | $2,400 |
City averages based on Garden City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,474 |
| Total Monthly Debt Service | $1,077 |
| DSCR Ratio | 1.37x |
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 1995
3,049 sqft lot
$N/A/sqft
$600 annually 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
No similar price properties found nearby.
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 1995
3,049 sqft lot
$N/A/sqft
$600 annually 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
No similar price properties found nearby.
Listed by: Lori Chamberlain • Chamberlain & Company Realty
Mls Name: UtahRealEstate.com
Mls Provider:
Mls ID: #2069690
Disclaimer: Based on information from the Wasatch Front Regional Multiple Listing Service, Inc. as of 2025-03-14 12:05:40 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)