4208 W 975 SClearfieldUT84015
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 4208 W 975 S, Clearfield, UT, 84015 in Clearfield is capital appreciation. Rental yield 3.99%. The 3.99% gross yield at $639,900 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $176,793 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.74) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $135,126.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 6.2% |
| Monthly Cash Flow | $(1,659) | $320 |
City averages based on Clearfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,126 |
| Total Monthly Debt Service | $3,531 |
| DSCR Ratio | 0.60x |
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 2023
8,712 sqft lot
$N/A/sqft
$35 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84015, Clearfield, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,567 (100%) |
| Owner Occupied HU | 17,452 (71.0%) |
| Renter Occupied HU | 6,453 (26.3%) |
| Vacant Housing Units | 662 ( 2.7%) |
| Median Home Value | $491,684 |
| Average Home Value | $528,938 |
Housing Distribution
Address Breakdown
Residential
23,633
Single Family
21,918
Multi-Family
1,715
Businesses
845
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 2023
8,712 sqft lot
$N/A/sqft
$35 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84015, Clearfield, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,567 (100%) |
| Owner Occupied HU | 17,452 (71.0%) |
| Renter Occupied HU | 6,453 (26.3%) |
| Vacant Housing Units | 662 ( 2.7%) |
| Median Home Value | $491,684 |
| Average Home Value | $528,938 |
Housing Distribution
Address Breakdown
Residential
23,633
Single Family
21,918
Multi-Family
1,715
Businesses
845
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Karie C Beyer • Brough Realty 2 LLC
Mls Name: UtahRealEstate.com
Mls Provider:
Mls ID: #2074137
Disclaimer: Based on information from the Wasatch Front Regional Multiple Listing Service, Inc. as of 2025-04-03 12:12:34 PDT. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or the MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. [Click here for more information](/mls-disclaimers/#319)