630 S Plum Creek LnOgdenUT84404
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 630 S Plum Creek Ln, Ogden, UT, 84404 in Ogden. At $353,000 it earns $2,332/mo in rent and distributes $263/mo to the owner after the $1,587/mo payment, a consistent 7.93% yield. DSCR 1.47 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $97,527 in value; $3,251/yr in principal paydown compounds ownership stake. Total projected return: $150,308.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $263 | $450 |
City averages based on Ogden market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,332 |
| Total Monthly Debt Service | $1,929 |
| DSCR Ratio | 1.21x |
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.
Townhouse
Built in 2022
871.20 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84404, Ogden, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,012 (100%) |
| Owner Occupied HU | 17,737 (70.9%) |
| Renter Occupied HU | 6,330 (25.3%) |
| Vacant Housing Units | 945 ( 3.8%) |
| Median Home Value | $460,276 |
| Average Home Value | $499,908 |
Housing Distribution
Address Breakdown
Residential
23,580
Single Family
22,951
Multi-Family
629
Businesses
1,208
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
Townhouse
Built in 2022
871.20 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84404, Ogden, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,012 (100%) |
| Owner Occupied HU | 17,737 (70.9%) |
| Renter Occupied HU | 6,330 (25.3%) |
| Vacant Housing Units | 945 ( 3.8%) |
| Median Home Value | $460,276 |
| Average Home Value | $499,908 |
Housing Distribution
Address Breakdown
Residential
23,580
Single Family
22,951
Multi-Family
629
Businesses
1,208
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices