990 MAGNUM LaneCottonwoodAZ86326
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 990 MAGNUM Lane, Cottonwood, AZ, 86326 in Cottonwood fits: $439,990, 5.44% gross yield, and a projected 5% annual appreciation rate adding $121,561 in value within five years. Rental yield 5.44%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.01) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,052/yr in principal paydown and $121,561 in appreciation project a total return of $123,757.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.4% | 7.0% |
| Monthly Cash Flow | $(666) | $300 |
City averages based on Cottonwood market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,996 |
| Total Monthly Debt Service | $2,486 |
| DSCR Ratio | 0.80x |
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 2026
7,477 sqft lot
$N/A/sqft
$182 quarterly 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 2026
7,477 sqft lot
$N/A/sqft
$182 quarterly HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sharon M Wilmeth • DH AZ Realty
Mls Name: ARMLS
Mls Provider:
Mls ID: #7026299
Disclaimer: All information should be verified by the recipient and none is guaranteed as accurate by ARMLS.