5214 N Pine Cone DrPineAZ85544
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.85% gross rental yield, 5214 N Pine Cone Dr, Pine, AZ, 85544 in Pine is priced for capital growth, not immediate cash flow. The $680,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $187,871 by year five, with $6,263/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.90) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $175,066.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 7.0% |
| Monthly Cash Flow | $(1,289) | $300 |
City averages based on Pine market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,746 |
| Total Monthly Debt Service | $3,749 |
| DSCR Ratio | 0.73x |
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 1985
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85544, Pine, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,944 (100%) |
| Owner Occupied HU | 1,347 (34.2%) |
| Renter Occupied HU | 173 ( 4.4%) |
| Vacant Housing Units | 2,424 (61.5%) |
| Median Home Value | $396,966 |
| Average Home Value | $447,363 |
Housing Distribution
Address Breakdown
Residential
726
Single Family
725
Multi-Family
1
Businesses
61
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 1985
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85544, Pine, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,944 (100%) |
| Owner Occupied HU | 1,347 (34.2%) |
| Renter Occupied HU | 173 ( 4.4%) |
| Vacant Housing Units | 2,424 (61.5%) |
| Median Home Value | $396,966 |
| Average Home Value | $447,363 |
Housing Distribution
Address Breakdown
Residential
726
Single Family
725
Multi-Family
1
Businesses
61
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices