4150 E Cactus Rd Unit 204PhoenixAZ85032
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 4150 E Cactus Rd Unit 204, Phoenix, AZ, 85032 in Phoenix at $319,000 earns $2,246/mo in rent and nets $80/mo after the $1,512/mo payment, a 8.45% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $88,134 over five years. Ziffy Mortgage underwrites this on a 1.49 DSCR without U.S. credit history. With $2,674/yr in principal paydown, total projected return reaches $137,788.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $80 | $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 | $2,246 |
| Total Monthly Debt Service | $1,837 |
| DSCR Ratio | 1.22x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Condo
Built in 1981
1,215 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85032, Phoenix, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 28,670 (100%) |
| Owner Occupied HU | 16,608 (57.9%) |
| Renter Occupied HU | 10,272 (35.8%) |
| Vacant Housing Units | 1,790 ( 6.2%) |
| Median Home Value | $480,797 |
| Average Home Value | $535,828 |
Housing Distribution
Address Breakdown
Residential
29,279
Single Family
18,686
Multi-Family
10,593
Businesses
1,618
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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
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Nearby investment properties with comparable prices
