Messina Plan, Upper CanyonPhoenixAZ85045
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find Messina Plan, Upper Canyon, Phoenix, AZ, 85045 in Phoenix worth study. Rental yield 4.09%. The 4.09% gross yield is below cash-flow benchmarks at $1,041,990, but 5% annual appreciation, adding $287,883 over five years, frames this as a capital growth position. Rent of $3,556/mo partially offsets the $4,685/mo payment. Ziffy Mortgage finances appreciation-play properties (0.76 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $226,350.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.2% |
| Monthly Cash Flow | $(2,604) | $450 |
City averages based on Phoenix market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,556 |
| Total Monthly Debt Service | $5,745 |
| DSCR Ratio | 0.62x |
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85045, Phoenix, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,053 (100%) |
| Owner Occupied HU | 2,661 (87.2%) |
| Renter Occupied HU | 236 ( 7.7%) |
| Vacant Housing Units | 156 ( 5.1%) |
| Median Home Value | $644,566 |
| Average Home Value | $696,444 |
Housing Distribution
Address Breakdown
Residential
2,944
Single Family
1,886
Multi-Family
1,058
Businesses
2
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85045, Phoenix, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,053 (100%) |
| Owner Occupied HU | 2,661 (87.2%) |
| Renter Occupied HU | 236 ( 7.7%) |
| Vacant Housing Units | 156 ( 5.1%) |
| Median Home Value | $644,566 |
| Average Home Value | $696,444 |
Housing Distribution
Address Breakdown
Residential
2,944
Single Family
1,886
Multi-Family
1,058
Businesses
2
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
