3671 Eccles AveOgdenUT84403
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.08% yield at 3671 Eccles Ave, Ogden, UT, 84403 in Ogden is solid, but the $1,919/mo payment compresses net cash flow to $16/mo at $426,800. 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 $117,917 by year five, and $3,931/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.14) without U.S. income documentation. Total projected return: $141,278.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 6.2% |
| Monthly Cash Flow | $16 | $450 |
City averages based on Ogden market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,191 |
| Total Monthly Debt Service | $2,332 |
| 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 N/A
N/A 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 N/A
N/A 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