5525 E THOMAS Road #M23PhoenixAZ85018
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 5525 E THOMAS Road #M23, Phoenix, AZ, 85018 in Phoenix achieves a 1.60 ratio at $199,900: $1,435/mo rent versus $899/mo debt service. Rental yield 8.62%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 8.62% yield compounds alongside 5% annual appreciation projecting $55,229 in value. Total projected cumulative return: $91,862.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 6.2% |
| Monthly Cash Flow | $(70) | $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 | $1,435 |
| Total Monthly Debt Service | $1,102 |
| DSCR Ratio | 1.30x |
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.
Apartment
Built in 1974
783 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85018, Phoenix, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,325 (100%) |
| Owner Occupied HU | 9,981 (54.5%) |
| Renter Occupied HU | 6,698 (36.6%) |
| Vacant Housing Units | 1,646 ( 9.0%) |
| Median Home Value | $886,961 |
| Average Home Value | $1,032,417 |
Housing Distribution
Address Breakdown
Residential
19,315
Single Family
10,934
Multi-Family
8,381
Businesses
1,497
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
Apartment
Built in 1974
783 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85018, Phoenix, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,325 (100%) |
| Owner Occupied HU | 9,981 (54.5%) |
| Renter Occupied HU | 6,698 (36.6%) |
| Vacant Housing Units | 1,646 ( 9.0%) |
| Median Home Value | $886,961 |
| Average Home Value | $1,032,417 |
Housing Distribution
Address Breakdown
Residential
19,315
Single Family
10,934
Multi-Family
8,381
Businesses
1,497
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices