4173 S Little Pinto Creek RdCedar CityUT84720
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.05% gross rental yield, 4173 S Little Pinto Creek Rd, Cedar City, UT, 84720 in Cedar City is priced for capital growth, not immediate cash flow. The $442,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $122,116 by year five, with $3,705/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.89) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $111,652.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 5.8% |
| Monthly Cash Flow | $(738) | $1,250 |
City averages based on Cedar City 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 | $1,860 |
| Total Monthly Debt Service | $2,523 |
| DSCR Ratio | 0.74x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2022
0.76 Acres lot
$N/A/sqft
No HOA
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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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Listed by: N/A • N/A
Mls Name: WCBR
Mls ID: #26-276014
