9707 N 12th StPhoenixAZ85020
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 9707 N 12th St, Phoenix, AZ, 85020 in Phoenix. At $259,800 it earns $2,040/mo in rent and distributes $504/mo to the owner after the $1,168/mo payment, a consistent 9.42% yield. DSCR 1.75 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $71,778 in value; $2,393/yr in principal paydown compounds ownership stake. Total projected return: $130,660.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.2% |
| Monthly Cash Flow | $504 | $450 |
City averages based on Phoenix market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,040 |
| Total Monthly Debt Service | $1,432 |
| DSCR Ratio | 1.42x |
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 1949
6,750 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85020, Phoenix, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,813 (100%) |
| Owner Occupied HU | 9,883 (55.5%) |
| Renter Occupied HU | 6,502 (36.5%) |
| Vacant Housing Units | 1,428 ( 8.0%) |
| Median Home Value | $543,651 |
| Average Home Value | $606,079 |
Housing Distribution
Address Breakdown
Residential
17,288
Single Family
10,808
Multi-Family
6,480
Businesses
1,169
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 1949
6,750 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85020, Phoenix, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,813 (100%) |
| Owner Occupied HU | 9,883 (55.5%) |
| Renter Occupied HU | 6,502 (36.5%) |
| Vacant Housing Units | 1,428 ( 8.0%) |
| Median Home Value | $543,651 |
| Average Home Value | $606,079 |
Housing Distribution
Address Breakdown
Residential
17,288
Single Family
10,808
Multi-Family
6,480
Businesses
1,169
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Francisco Lerma • My Home Group Real Estate
Mls Name: ARMLS
Mls Provider:
Mls ID: #6841674
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