3853 W Mitchell DrSanta ClaraUT84765
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 3853 W Mitchell Dr, Santa Clara, UT, 84765 in Santa Clara fits: $624,900, 4.6% gross yield, and a projected 5% annual appreciation rate adding $172,648 in value within five years. Rental yield 4.6%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.85) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,755/yr in principal paydown and $172,648 in appreciation project a total return of $148,837.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 6.2% |
| Monthly Cash Flow | $(1,361) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,396 |
| Total Monthly Debt Service | $3,509 |
| DSCR Ratio | 0.68x |
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 2013
2,613 sqft lot
$N/A/sqft
$95 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84765, Santa Clara, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,112 (100%) |
| Owner Occupied HU | 2,333 (75.0%) |
| Renter Occupied HU | 338 (10.9%) |
| Vacant Housing Units | 441 (14.2%) |
| Median Home Value | $622,927 |
| Average Home Value | $713,623 |
Housing Distribution
Address Breakdown
Residential
2,647
Single Family
2,647
Multi-Family
0
Businesses
164
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 2013
2,613 sqft lot
$N/A/sqft
$95 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84765, Santa Clara, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,112 (100%) |
| Owner Occupied HU | 2,333 (75.0%) |
| Renter Occupied HU | 338 (10.9%) |
| Vacant Housing Units | 441 (14.2%) |
| Median Home Value | $622,927 |
| Average Home Value | $713,623 |
Housing Distribution
Address Breakdown
Residential
2,647
Single Family
2,647
Multi-Family
0
Businesses
164
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Machelle Vanderhoeven • Real Estate Essentials
Mls Name: UtahRealEstate.com
Mls Provider:
Mls ID: #2051975
Disclaimer: Based on information from the Wasatch Front Regional Multiple Listing Service, Inc. as of 2025-02-19 11:21:36 PST. 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](/info/mls-disclaimers/#mls_319)