4 Prows CirLaytonUT84041
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 4 Prows Cir, Layton, UT, 84041 in Layton is narrow, $189/mo net on $2,616/mo rent after the $1,862/mo debt service, but the property operates at break-even-plus, not a loss. At $413,999 with a 7.58% yield, the long-run equity case via 5% appreciation ($114,380 over five years) and $3,813/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.40 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $168,562.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 5.8% |
| Monthly Cash Flow | $189 | $1,850 |
City averages based on Layton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,616 |
| Total Monthly Debt Service | $2,262 |
| DSCR Ratio | 1.16x |
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 1955
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84041, Layton, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,106 (100%) |
| Owner Occupied HU | 12,704 (63.2%) |
| Renter Occupied HU | 6,618 (32.9%) |
| Vacant Housing Units | 784 ( 3.9%) |
| Median Home Value | $497,132 |
| Average Home Value | $531,084 |
Housing Distribution
Address Breakdown
Residential
19,157
Single Family
17,758
Multi-Family
1,399
Businesses
1,790
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 1955
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84041, Layton, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,106 (100%) |
| Owner Occupied HU | 12,704 (63.2%) |
| Renter Occupied HU | 6,618 (32.9%) |
| Vacant Housing Units | 784 ( 3.9%) |
| Median Home Value | $497,132 |
| Average Home Value | $531,084 |
Housing Distribution
Address Breakdown
Residential
19,157
Single Family
17,758
Multi-Family
1,399
Businesses
1,790
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Denise Marie Samples • Equity Real Estate (Buckley)
Mls Name: UtahRealEstate.com
Mls Provider:
Mls ID: #2076378
Disclaimer: Based on information from the Wasatch Front Regional Multiple Listing Service, Inc. as of 2025-04-14 11:50:15 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)