4114 E UNION HILLS Drive #1216PhoenixAZ85050
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4114 E UNION HILLS Drive #1216, Phoenix, AZ, 85050 in Phoenix at $345,000 earns $2,415/mo in rent and nets $92/mo after the $1,551/mo payment, a 8.4% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $95,317 over five years. Ziffy Mortgage underwrites this on a 1.56 DSCR without U.S. credit history. With $3,177/yr in principal paydown, total projected return reaches $154,641.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $92 | $450 |
City averages based on Phoenix market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,415 |
| Total Monthly Debt Service | $1,902 |
| DSCR Ratio | 1.27x |
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 1990
650 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85050, Phoenix, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,243 (100%) |
| Owner Occupied HU | 10,854 (76.2%) |
| Renter Occupied HU | 2,526 (17.7%) |
| Vacant Housing Units | 863 ( 6.1%) |
| Median Home Value | $617,591 |
| Average Home Value | $657,043 |
Housing Distribution
Address Breakdown
Residential
13,606
Single Family
8,078
Multi-Family
5,528
Businesses
1,090
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 1990
650 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85050, Phoenix, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,243 (100%) |
| Owner Occupied HU | 10,854 (76.2%) |
| Renter Occupied HU | 2,526 (17.7%) |
| Vacant Housing Units | 863 ( 6.1%) |
| Median Home Value | $617,591 |
| Average Home Value | $657,043 |
Housing Distribution
Address Breakdown
Residential
13,606
Single Family
8,078
Multi-Family
5,528
Businesses
1,090
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices