403 W Ridge Peak RdOro ValleyAZ85737
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 403 W Ridge Peak Rd, Oro Valley, AZ, 85737 in Oro Valley at $447,000 earns $2,668/mo in rent and nets $25/mo after the $2,010/mo payment, a 7.16% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $123,498 over five years. Ziffy Mortgage underwrites this on a 1.33 DSCR without U.S. credit history. With $4,117/yr in principal paydown, total projected return reaches $170,627.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.5% |
| Monthly Cash Flow | $25 | $1,800 |
City averages based on Oro Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,668 |
| Total Monthly Debt Service | $2,464 |
| DSCR Ratio | 1.08x |
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 2000
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85737, Tucson, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,887 (100%) |
| Owner Occupied HU | 7,496 (68.9%) |
| Renter Occupied HU | 2,544 (23.4%) |
| Vacant Housing Units | 847 ( 7.8%) |
| Median Home Value | $457,718 |
| Average Home Value | $515,398 |
Housing Distribution
Address Breakdown
Residential
10,548
Single Family
8,354
Multi-Family
2,194
Businesses
630
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 2000
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85737, Tucson, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,887 (100%) |
| Owner Occupied HU | 7,496 (68.9%) |
| Renter Occupied HU | 2,544 (23.4%) |
| Vacant Housing Units | 847 ( 7.8%) |
| Median Home Value | $457,718 |
| Average Home Value | $515,398 |
Housing Distribution
Address Breakdown
Residential
10,548
Single Family
8,354
Multi-Family
2,194
Businesses
630
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Glenn Michael Nowacki • Realty Executives Arizona Territory
Mls Name: MLS of Southern Arizona
Mls ID: #22524494