421 W Larson RdVernonUT84080
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play421 W Larson Rd, Vernon, UT, 84080 in Vernon is priced for appreciation, not yield. Rental yield 5.75%. At $465,000 with a 5.75% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $128,471 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.07) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $143,790.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 6.2% |
| Monthly Cash Flow | $(496) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,230 |
| Total Monthly Debt Service | $2,540 |
| DSCR Ratio | 0.88x |
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.
Manufactured
Built in 2001
4.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84080, Vernon, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 125 (100%) |
| Owner Occupied HU | 95 (76.0%) |
| Renter Occupied HU | 8 ( 6.4%) |
| Vacant Housing Units | 22 (17.6%) |
| Median Home Value | $437,500 |
| Average Home Value | $473,553 |
Housing Distribution
Address Breakdown
Residential
16
Single Family
16
Multi-Family
0
Businesses
10
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
Manufactured
Built in 2001
4.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84080, Vernon, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 125 (100%) |
| Owner Occupied HU | 95 (76.0%) |
| Renter Occupied HU | 8 ( 6.4%) |
| Vacant Housing Units | 22 (17.6%) |
| Median Home Value | $437,500 |
| Average Home Value | $473,553 |
Housing Distribution
Address Breakdown
Residential
16
Single Family
16
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices