4764 W 1275 SCedar CityUT84720
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 4764 W 1275 S, Cedar City, UT, 84720 in Cedar City the bet is firmly on appreciation. Rental yield 3.49%. The 3.49% gross yield on a $509,900 price is below income-first thresholds, but 5%/yr value growth projects $140,876 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.65) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $95,714.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 5.8% |
| Monthly Cash Flow | $(1,507) | $1,250 |
City averages based on Cedar City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,482 |
| Total Monthly Debt Service | $2,786 |
| DSCR Ratio | 0.53x |
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 2019
2.62 Acres 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 2019
2.62 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dennis Cheek • D&M DISCOUNT REALTY
Mls Name: WCBR
Mls ID: #25-265373