5108 Opal RdFlagstaffAZ86005
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play5108 Opal Rd, Flagstaff, AZ, 86005 in Flagstaff is priced for appreciation, not yield. Rental yield 3.62%. At $915,000 with a 3.62% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $252,798 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.67) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $174,534.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 6.0% |
| Monthly Cash Flow | $(2,663) | $1,200 |
City averages based on Flagstaff market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,761 |
| Total Monthly Debt Service | $5,060 |
| DSCR Ratio | 0.55x |
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.
Single Family
Built in 2004
0.28 Acres lot
$N/A/sqft
$190 annually 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
Single Family
Built in 2004
0.28 Acres lot
$N/A/sqft
$190 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ian W Martin • Flagstaff Property Management
Mls Name: NAZMLS
Mls Provider:
Mls ID: #200513
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.