433 E 450 N, Payson, UT, 84651 | 4.09% Rental Yield

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Price: $300K - 500K

Monthly Cash Flow: 1 - 3k+

Home Type: Single Family

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433 E 450 N, Payson, UT, 84651 | 4.09% Rental Yield | Ziffy

For Sale

Ziffy Mortgage

NMLS #2625701

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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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Investment Highlights

Total monthly income runs $1,655/mo, and a $2,374/mo payment. Purchase price stands at $485,000, and rental yield measures 4.09% with $1,655/mo rent. Return on cash invested shows 11.04% in year one, and 5% annual appreciation builds toward $133,997 over five years. Five-year ROI reaches 54.89% and total cumulative return in cash records $88,250. Financing may use Ziffy Mortgage’s DSCR loan, which bases approval on $1,655/mo property income covering a $2,374/mo payment rather than investor’s personal income.

Multi Family

Built in 2025

2,613 sqft lot

$N/A/sqft

No HOA

More details about the property

SELLER WILL GIVE 28,500K TOWARD 4 yr buydown. Total Payment (including principal, interest, taxes, insurance, mortgage insurance, and HOA) would be: Year 1 - $2432, 2.75% Year 2 - $2688, 3.75% Year 3 - $296, 4.75% Years 4-30 $3250 5.75% 6.573 APR FIRST TIME buyers who qualify for the DPA (down pmt assistance), only need $1,000 of their own money. And the DPA would pay the rest of their down payment. *DPA is @0% with no payment as long as they live in it as their primary residence. Restrictions apply. If they are not first time buyers, they can still qualify for these same payments, only they would have to pay their down payment of $16,625 on their own. This is FHA financing at a price of $475,000. this scenario is dated 11/12/25, based on a qualifying credit score of 740. Rates can change without notice. PREFERRED LENDER WILL ALSO GIVE 1% of loan amount toward CLOSING COSTS. LUXURY Home in NESTLED in secluded little pocket of town. Classy and timeless. Beautiful finishes. fireplace, two toned paint, quartz counters, upgraded exteriors. Beautifully landscaped! No Maintenance outside. Quiet neighborhood. quick to freeway and grocery store. Payson has a so much rich history. Quaint historic main street. Latter Day Saint Temple, Payson Canyon has camping, hiking and fishing. Wonderful little town to live in, and out of the hustle and bustle--yet only a few minutes to the city.:) These units far surpass all the competition. COME SEE! Video: https://sites.listvt.com/mls/214188846

Neighborhood Data

Neighborhood data shown for ZIP Code: 84651, Payson, UT area.

Housing Distribution

Housing Statistics

Category	Value
Total HU (Housing Units)	9,360 (100%)
Owner Occupied HU	7,284 (77.8%)
Renter Occupied HU	1,834 (19.6%)
Vacant Housing Units	242 ( 2.6%)
Median Home Value	$558,916
Average Home Value	$577,660