4037 S 45TH StreetPhoenixAZ85040
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 4037 S 45TH Street, Phoenix, AZ, 85040 in Phoenix achieves 1.67, rent of $1,196/mo covers the $715/mo payment 1.5x over at $159,000. Rental yield 9.03%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $43,929 over five years, with $1,464/yr in principal reduction bringing total projected return to $76,607.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $(31) | $450 |
City averages based on Phoenix market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,196 |
| Total Monthly Debt Service | $877 |
| DSCR Ratio | 1.36x |
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.
Townhouse
Built in 1973
814 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85040, Phoenix, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,360 (100%) |
| Owner Occupied HU | 5,938 (48.0%) |
| Renter Occupied HU | 5,603 (45.3%) |
| Vacant Housing Units | 819 ( 6.6%) |
| Median Home Value | $346,113 |
| Average Home Value | $421,162 |
Housing Distribution
Address Breakdown
Residential
11,274
Single Family
7,244
Multi-Family
4,030
Businesses
2,103
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
Townhouse
Built in 1973
814 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85040, Phoenix, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,360 (100%) |
| Owner Occupied HU | 5,938 (48.0%) |
| Renter Occupied HU | 5,603 (45.3%) |
| Vacant Housing Units | 819 ( 6.6%) |
| Median Home Value | $346,113 |
| Average Home Value | $421,162 |
Housing Distribution
Address Breakdown
Residential
11,274
Single Family
7,244
Multi-Family
4,030
Businesses
2,103
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices