4054 S 895 EOgdenUT84403
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 4054 S 895 E, Ogden, UT, 84403 in Ogden: $2,580/mo in rent, $299/mo in net income, 9.16% gross yield, 1.70 DSCR, all at $338,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $93,383 in appreciation and $3,113/yr in principal paydown projects total cumulative return of $166,250.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $299 | $450 |
City averages based on Ogden market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,580 |
| Total Monthly Debt Service | $1,847 |
| DSCR Ratio | 1.40x |
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 1969
871 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84403, Ogden, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,702 (100%) |
| Owner Occupied HU | 9,162 (62.3%) |
| Renter Occupied HU | 4,954 (33.7%) |
| Vacant Housing Units | 586 ( 4.0%) |
| Median Home Value | $519,613 |
| Average Home Value | $601,892 |
Housing Distribution
Address Breakdown
Residential
14,015
Single Family
13,060
Multi-Family
955
Businesses
731
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 1969
871 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84403, Ogden, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,702 (100%) |
| Owner Occupied HU | 9,162 (62.3%) |
| Renter Occupied HU | 4,954 (33.7%) |
| Vacant Housing Units | 586 ( 4.0%) |
| Median Home Value | $519,613 |
| Average Home Value | $601,892 |
Housing Distribution
Address Breakdown
Residential
14,015
Single Family
13,060
Multi-Family
955
Businesses
731
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices