6438 S 78th LnPhoenixAZ85339
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Phoenix rental at 6438 S 78th Ln, Phoenix, AZ, 85339 sits in the solid-income band: 8.26% gross yield, $3,192/mo rent, $449/mo net after the $2,086/mo debt service, DSCR 1.53. Entry price of $463,990 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $128,192 and $4,273/yr in principal reduction bring total cumulative return to $204,346.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.2% |
| Monthly Cash Flow | $449 | $450 |
City averages based on Phoenix market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,192 |
| Total Monthly Debt Service | $2,558 |
| DSCR Ratio | 1.25x |
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.
Single Family
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85339, Laveen, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,337 (100%) |
| Owner Occupied HU | 14,153 (77.2%) |
| Renter Occupied HU | 3,421 (18.7%) |
| Vacant Housing Units | 763 ( 4.2%) |
| Median Home Value | $468,200 |
| Average Home Value | $537,750 |
Housing Distribution
Address Breakdown
Residential
16,452
Single Family
16,239
Multi-Family
213
Businesses
518
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85339, Laveen, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,337 (100%) |
| Owner Occupied HU | 14,153 (77.2%) |
| Renter Occupied HU | 3,421 (18.7%) |
| Vacant Housing Units | 763 ( 4.2%) |
| Median Home Value | $468,200 |
| Average Home Value | $537,750 |
Housing Distribution
Address Breakdown
Residential
16,452
Single Family
16,239
Multi-Family
213
Businesses
518
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
