551 S 780 WCedar CityUT84720
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 551 S 780 W, Cedar City, UT, 84720 in Cedar City the bet is firmly on appreciation. Rental yield 3.81%. The 3.81% gross yield on a $425,000 price is below income-first thresholds, but 5%/yr value growth projects $117,420 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.71) 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: $87,047.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 5.8% |
| Monthly Cash Flow | $(1,143) | $1,250 |
City averages based on Cedar City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,348 |
| Total Monthly Debt Service | $2,322 |
| DSCR Ratio | 0.58x |
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 1979
8,276 sqft lot
$N/A/sqft
No 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 1979
8,276 sqft lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Benjamin Batty • ERA Realty Center
Mls Name: WCBR
Mls ID: #25-258934
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