644 S Lee StSaint DavidAZ85630
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing644 S Lee St, Saint David, AZ, 85630 in Saint David is a stable, well-positioned rental at $335,000. Rental yield 6.41%. DSCR 1.13 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $92,554 in value and $2,808/yr in principal paydown builds equity, a total projected return of $108,043.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 6.0% |
| Monthly Cash Flow | $(191) | $1,200 |
City averages based on Saint David 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 | $1,789 |
| Total Monthly Debt Service | $1,929 |
| DSCR Ratio | 0.93x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1925
1.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85630, Saint David, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,327 (100%) |
| Owner Occupied HU | 883 (66.5%) |
| Renter Occupied HU | 171 (12.9%) |
| Vacant Housing Units | 273 (20.6%) |
| Median Home Value | $272,817 |
| Average Home Value | $319,536 |
Housing Distribution
Address Breakdown
Residential
816
Single Family
760
Multi-Family
56
Businesses
45
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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
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Listed by: N/A • N/A
Mls Name: MLS of Southern Arizona
Mls Provider:
Mls ID: #22623040
