5250 E DEER VALLEY Drive #416PhoenixAZ85054
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 5250 E DEER VALLEY Drive #416, Phoenix, AZ, 85054 in Phoenix the bet is firmly on appreciation. Rental yield 2.57%. The 2.57% gross yield on a $1,295,000 price is below income-first thresholds, but 5%/yr value growth projects $357,785 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.48) 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: $175,152.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.6% | 6.2% |
| Monthly Cash Flow | $(5,237) | $450 |
City averages based on Phoenix market data in our database. Property projections are estimates.
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 | $2,770 |
| Total Monthly Debt Service | $7,140 |
| DSCR Ratio | 0.39x |
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.
Condo
Built in 2026
1,780 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85054, Phoenix, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,393 (100%) |
| Owner Occupied HU | 2,322 (27.7%) |
| Renter Occupied HU | 4,185 (49.9%) |
| Vacant Housing Units | 1,886 (22.5%) |
| Median Home Value | $610,524 |
| Average Home Value | $640,581 |
Housing Distribution
Address Breakdown
Residential
6,925
Single Family
764
Multi-Family
6,161
Businesses
236
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
Condo
Built in 2026
1,780 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85054, Phoenix, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,393 (100%) |
| Owner Occupied HU | 2,322 (27.7%) |
| Renter Occupied HU | 4,185 (49.9%) |
| Vacant Housing Units | 1,886 (22.5%) |
| Median Home Value | $610,524 |
| Average Home Value | $640,581 |
Housing Distribution
Address Breakdown
Residential
6,925
Single Family
764
Multi-Family
6,161
Businesses
236
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices