4075 Rainbow DrPinetopAZ85935
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 4075 Rainbow Dr, Pinetop, AZ, 85935 in Pinetop at $850,000, 4.69% gross yield, is a market-growth asset. Rental yield 4.69%. The $3,323/mo rent partially funds the $3,822/mo debt service; the core return is the 5%/yr price growth projected to add $234,839 over five years. Ziffy Mortgage's DSCR mortgage (0.87) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $204,826.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 8.0% |
| Monthly Cash Flow | $(1,818) | $1,200 |
City averages based on Pinetop market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,323 |
| Total Monthly Debt Service | $4,803 |
| DSCR Ratio | 0.69x |
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 1960
0.38 Acres lot
$N/A/sqft
$1,400 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85935, Pinetop, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,328 (100%) |
| Owner Occupied HU | 1,403 (26.3%) |
| Renter Occupied HU | 373 ( 7.0%) |
| Vacant Housing Units | 3,552 (66.7%) |
| Median Home Value | $432,586 |
| Average Home Value | $483,642 |
Housing Distribution
Address Breakdown
Residential
2,666
Single Family
2,611
Multi-Family
55
Businesses
237
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 1960
0.38 Acres lot
$N/A/sqft
$1,400 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85935, Pinetop, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,328 (100%) |
| Owner Occupied HU | 1,403 (26.3%) |
| Renter Occupied HU | 373 ( 7.0%) |
| Vacant Housing Units | 3,552 (66.7%) |
| Median Home Value | $432,586 |
| Average Home Value | $483,642 |
Housing Distribution
Address Breakdown
Residential
2,666
Single Family
2,611
Multi-Family
55
Businesses
237
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
