451 N 500 W #20PaysonUT84651
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 451 N 500 W #20, Payson, UT, 84651 in Payson is the 1.77 coverage ratio: rent of $1,114/mo versus a $630/mo debt payment on a $140,000 property. Rental yield 9.55%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $38,679 by year five, with $1,289/yr in equity from paydown. Total projected cumulative return: $29,748.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $(407) | $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 | $1,114 |
| Total Monthly Debt Service | $1,465 |
| DSCR Ratio | 0.76x |
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 1986
N/A lot
$N/A/sqft
$700 monthly HOA
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 |
Housing Distribution
Address Breakdown
Residential
9,555
Single Family
9,551
Multi-Family
4
Businesses
510
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 1986
N/A lot
$N/A/sqft
$700 monthly HOA
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 |
Housing Distribution
Address Breakdown
Residential
9,555
Single Family
9,551
Multi-Family
4
Businesses
510
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Alicia Sperry • The Lance Group Real Estate
Mls Name: UtahRealEstate.com
Mls Provider:
Mls ID: #2058688
Disclaimer: Based on information from the Wasatch Front Regional Multiple Listing Service, Inc. as of 2025-02-18 12:16:32 PST. 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](/info/mls-disclaimers/#mls_319)