48 N Main StEphraimUT84627
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 48 N Main St, Ephraim, UT, 84627 in Ephraim is narrow, $143/mo net on $2,364/mo rent after the $1,797/mo debt service, but the property operates at break-even-plus, not a loss. At $379,000 with a 7.48% yield, the long-run equity case via 5% appreciation ($104,711 over five years) and $3,177/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.32 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $145,216.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.2% |
| Monthly Cash Flow | $143 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,364 |
| Total Monthly Debt Service | $2,163 |
| DSCR Ratio | 1.09x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1900
0.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84627, Ephraim, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,108 (100%) |
| Owner Occupied HU | 1,064 (50.5%) |
| Renter Occupied HU | 791 (37.5%) |
| Vacant Housing Units | 253 (12.0%) |
| Median Home Value | $457,303 |
| Average Home Value | $519,239 |
Housing Distribution
Address Breakdown
Residential
1,895
Single Family
1,895
Multi-Family
0
Businesses
175
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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
