686 E Vermont DrGilbertAZ85295
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 686 E Vermont Dr, Gilbert, AZ, 85295 in Gilbert is capital appreciation. Rental yield 4.65%. The 4.65% gross yield at $1,090,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $301,147 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.86) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $256,360.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 6.0% |
| Monthly Cash Flow | $(2,433) | $300 |
City averages based on Gilbert market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,224 |
| Total Monthly Debt Service | $6,223 |
| DSCR Ratio | 0.68x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2000
10,150 sqft lot
$N/A/sqft
$214 monthly HOA
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 2000
10,150 sqft lot
$N/A/sqft
$214 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John L. Payne • United CountryReal Estate-Arizona Property & Auction
Mls Name: ARMLS
Mls Provider:
Mls ID: #6832577
Disclaimer: All information should be verified by the recipient and none is guaranteed as accurate by ARMLS Listing Information presented by local MLS brokerage: Zillow, Inc., Designated REALTOR- Chris Long - (480) 907-1010