91 N Sterling Drive Phs LOT 36-4Cedar CityUT84720
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play91 N Sterling Drive Phs LOT 36-4, Cedar City, UT, 84720 in Cedar City is priced for appreciation, not yield. Rental yield 4.51%. At $495,000 with a 4.51% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $136,759 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.84) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $119,321.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 5.8% |
| Monthly Cash Flow | $(1,052) | $1,250 |
City averages based on Cedar City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,860 |
| Total Monthly Debt Service | $2,715 |
| 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 2025
8,712 sqft lot
$N/A/sqft
$11 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 2025
8,712 sqft lot
$N/A/sqft
$11 monthly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jenny L Vossler • ERA Realty Center
Mls Name: WCBR
Mls ID: #25-262531
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.