3586 N Pearl StKingmanAZ86409
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.3% yield at 3586 N Pearl St, Kingman, AZ, 86409 in Kingman is solid, but the $1,255/mo payment compresses net cash flow to $49/mo at $279,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $77,083 by year five, and $2,570/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.35) without U.S. income documentation. Total projected return: $108,596.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 4.8% |
| Monthly Cash Flow | $49 | $1,200 |
City averages based on Kingman market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,698 |
| Total Monthly Debt Service | $1,538 |
| DSCR Ratio | 1.10x |
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.
Single Family
Built in 2026
5,000 sqft lot
$N/A/sqft
No HOA
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 2026
5,000 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices