3869 W 20th LnYumaAZ85364
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play3869 W 20th Ln, Yuma, AZ, 85364 in Yuma is priced for appreciation, not yield. Rental yield 5.53%. At $429,900 with a 5.53% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $118,773 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.02) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $126,372.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 5.8% |
| Monthly Cash Flow | $(561) | $420 |
City averages based on Yuma market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,980 |
| Total Monthly Debt Service | $2,370 |
| DSCR Ratio | 0.84x |
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 2003
8,627 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85364, Yuma, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 30,957 (100%) |
| Owner Occupied HU | 16,363 (52.9%) |
| Renter Occupied HU | 10,328 (33.4%) |
| Vacant Housing Units | 4,266 (13.8%) |
| Median Home Value | $258,447 |
| Average Home Value | $261,148 |
Housing Distribution
Address Breakdown
Residential
26,652
Single Family
22,178
Multi-Family
4,474
Businesses
1,801
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 2003
8,627 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85364, Yuma, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 30,957 (100%) |
| Owner Occupied HU | 16,363 (52.9%) |
| Renter Occupied HU | 10,328 (33.4%) |
| Vacant Housing Units | 4,266 (13.8%) |
| Median Home Value | $258,447 |
| Average Home Value | $261,148 |
Housing Distribution
Address Breakdown
Residential
26,652
Single Family
22,178
Multi-Family
4,474
Businesses
1,801
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rosio Duron • Welcome Home Yuma Realty
Mls Name: YARMLS
Mls Provider:
Mls ID: #20251815
Disclaimer: This data is provided by the Yuma Association of REALTORS, Inc. Multiple Listing Service. Real Estate listings held by brokerage firms other than Zillow, Inc. are marked with the Broker Reciprocity(SM) logo or the Broker Reciprocity thumbnail logo. This information is deemed reliable, but not guaranteed.