9850 E McDowell Mountain Ranch Rd Unit 1003ScottsdaleAZ85260
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 9850 E McDowell Mountain Ranch Rd Unit 1003, Scottsdale, AZ, 85260 in Scottsdale is capital appreciation. Rental yield 5.19%. The 5.19% gross yield at $790,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $218,262 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.96) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $218,207.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 4.2% |
| Monthly Cash Flow | $(1,500) | $1,800 |
City averages based on Scottsdale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,420 |
| Total Monthly Debt Service | $4,356 |
| DSCR Ratio | 0.79x |
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 2018
2,366 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85260, Scottsdale, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,177 (100%) |
| Owner Occupied HU | 11,358 (51.2%) |
| Renter Occupied HU | 7,872 (35.5%) |
| Vacant Housing Units | 2,947 (13.3%) |
| Median Home Value | $681,416 |
| Average Home Value | $778,660 |
Housing Distribution
Address Breakdown
Residential
19,755
Single Family
8,288
Multi-Family
11,467
Businesses
3,843
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 2018
2,366 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85260, Scottsdale, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,177 (100%) |
| Owner Occupied HU | 11,358 (51.2%) |
| Renter Occupied HU | 7,872 (35.5%) |
| Vacant Housing Units | 2,947 (13.3%) |
| Median Home Value | $681,416 |
| Average Home Value | $778,660 |
Housing Distribution
Address Breakdown
Residential
19,755
Single Family
8,288
Multi-Family
11,467
Businesses
3,843
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michael Morrow • HomeSmart
Mls Name: ARMLS
Mls ID: #6979459