645 E 30th St SOgdenUT84403
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 645 E 30th St S, Ogden, UT, 84403 in Ogden: $1,690/mo in rent, $371/mo in net income, 9.02% gross yield, 1.67 DSCR, all at $224,900. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $62,136 in appreciation and $2,071/yr in principal paydown projects total cumulative return of $108,915.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9% | 6.2% |
| Monthly Cash Flow | $371 | $450 |
City averages based on Ogden market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,690 |
| Total Monthly Debt Service | $1,229 |
| DSCR Ratio | 1.38x |
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 1915
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84403, Ogden, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,702 (100%) |
| Owner Occupied HU | 9,162 (62.3%) |
| Renter Occupied HU | 4,954 (33.7%) |
| Vacant Housing Units | 586 ( 4.0%) |
| Median Home Value | $519,613 |
| Average Home Value | $601,892 |
Housing Distribution
Address Breakdown
Residential
14,015
Single Family
13,060
Multi-Family
955
Businesses
731
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 1915
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84403, Ogden, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,702 (100%) |
| Owner Occupied HU | 9,162 (62.3%) |
| Renter Occupied HU | 4,954 (33.7%) |
| Vacant Housing Units | 586 ( 4.0%) |
| Median Home Value | $519,613 |
| Average Home Value | $601,892 |
Housing Distribution
Address Breakdown
Residential
14,015
Single Family
13,060
Multi-Family
955
Businesses
731
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices