438 Stone Mountain Dr #59Saint GeorgeUT84770
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 438 Stone Mountain Dr #59, Saint George, UT, 84770 in Saint George, $546,500, 7.45% gross yield, $78/mo net income. Consider it a market-entry position, the $3,391/mo rent covers the $2,457/mo payment with a margin, and 5%/yr appreciation is projected to add $150,988 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.38) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $211,976.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 5.5% |
| Monthly Cash Flow | $78 | $1,850 |
City averages based on Saint George market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,391 |
| Total Monthly Debt Service | $3,096 |
| DSCR Ratio | 1.10x |
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.
Single Family
Built in 2006
2,178 sqft lot
$N/A/sqft
$110 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84770, Saint George, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,832 (100%) |
| Owner Occupied HU | 11,136 (48.8%) |
| Renter Occupied HU | 7,108 (31.1%) |
| Vacant Housing Units | 4,588 (20.1%) |
| Median Home Value | $571,248 |
| Average Home Value | $636,843 |
Housing Distribution
Address Breakdown
Residential
18,981
Single Family
18,840
Multi-Family
141
Businesses
2,011
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 2006
2,178 sqft lot
$N/A/sqft
$110 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84770, Saint George, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,832 (100%) |
| Owner Occupied HU | 11,136 (48.8%) |
| Renter Occupied HU | 7,108 (31.1%) |
| Vacant Housing Units | 4,588 (20.1%) |
| Median Home Value | $571,248 |
| Average Home Value | $636,843 |
Housing Distribution
Address Breakdown
Residential
18,981
Single Family
18,840
Multi-Family
141
Businesses
2,011
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: CHASE W AMES • RE/MAX ASSOCIATES SO UTAH
Mls Name: WCBR
Mls ID: #25-265616
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.