4860 E Main St Unit H2MesaAZ85205
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 4860 E Main St Unit H2, Mesa, AZ, 85205 in Mesa: $1,021/mo in rent, $265/mo in net income, 9.58% gross yield, 1.78 DSCR, all at $127,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $35,336 in appreciation and $1,178/yr in principal paydown projects total cumulative return of $65,411.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 5.5% |
| Monthly Cash Flow | $265 | $450 |
City averages based on Mesa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,021 |
| Total Monthly Debt Service | $705 |
| DSCR Ratio | 1.45x |
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 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85205, Mesa, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,448 (100%) |
| Owner Occupied HU | 13,962 (59.5%) |
| Renter Occupied HU | 5,268 (22.5%) |
| Vacant Housing Units | 4,218 (18.0%) |
| Median Home Value | $405,966 |
| Average Home Value | $477,429 |
Housing Distribution
Address Breakdown
Residential
20,736
Single Family
12,609
Multi-Family
8,127
Businesses
910
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 2023
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85205, Mesa, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,448 (100%) |
| Owner Occupied HU | 13,962 (59.5%) |
| Renter Occupied HU | 5,268 (22.5%) |
| Vacant Housing Units | 4,218 (18.0%) |
| Median Home Value | $405,966 |
| Average Home Value | $477,429 |
Housing Distribution
Address Breakdown
Residential
20,736
Single Family
12,609
Multi-Family
8,127
Businesses
910
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices