437 E Germann Rd LOT 101San Tan ValleyAZ85140
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 437 E Germann Rd LOT 101, San Tan Valley, AZ, 85140 in San Tan Valley is narrow, $177/mo net on $798/mo rent after the $472/mo debt service, but the property operates at break-even-plus, not a loss. At $105,000 with a 9.12% yield, the long-run equity case via 5% appreciation ($29,010 over five years) and $967/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.69 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $51,159.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.5% |
| Monthly Cash Flow | $177 | $400 |
City averages based on San Tan Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $798 |
| Total Monthly Debt Service | $579 |
| DSCR Ratio | 1.38x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Manufactured
Built in 2006
N/A lot
$N/A/sqft
No HOA
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 2006
N/A lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Debbie Schafer • Cimarron Crossing
Mls Name: My State MLS
Mls ID: #11448660