686 W 6645 SMurrayUT84123
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt $439,000, 686 W 6645 S, Murray, UT, 84123 in Murray generates $2,759/mo in rent (7.54% yield) but nets only $186/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.40) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $121,288. Total projected return: $177,828.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.2% |
| Monthly Cash Flow | $186 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,759 |
| Total Monthly Debt Service | $2,398 |
| DSCR Ratio | 1.15x |
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.
Multi Family
Built in 1982
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84123, Salt Lake City, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,950 (100%) |
| Owner Occupied HU | 8,731 (58.4%) |
| Renter Occupied HU | 5,774 (38.6%) |
| Vacant Housing Units | 445 ( 3.0%) |
| Median Home Value | $524,663 |
| Average Home Value | $512,546 |
Housing Distribution
Address Breakdown
Residential
15,171
Single Family
11,598
Multi-Family
3,573
Businesses
858
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
Multi Family
Built in 1982
5,662 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 84123, Salt Lake City, UT area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,950 (100%) |
| Owner Occupied HU | 8,731 (58.4%) |
| Renter Occupied HU | 5,774 (38.6%) |
| Vacant Housing Units | 445 ( 3.0%) |
| Median Home Value | $524,663 |
| Average Home Value | $512,546 |
Housing Distribution
Address Breakdown
Residential
15,171
Single Family
11,598
Multi-Family
3,573
Businesses
858
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices