Pinnacle Plan, Stonehaven Encore CollectionGlendaleAZ85305
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at Pinnacle Plan, Stonehaven Encore Collection, Glendale, AZ, 85305 in Glendale is narrow, $169/mo net on $3,438/mo rent after the $2,487/mo debt service, but the property operates at break-even-plus, not a loss. At $552,990 with a 7.46% yield, the long-run equity case via 5% appreciation ($152,781 over five years) and $5,093/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.38 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $219,879.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.5% |
| Monthly Cash Flow | $169 | $1,250 |
City averages based on Glendale market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,438 |
| Total Monthly Debt Service | $3,049 |
| DSCR Ratio | 1.13x |
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85305, Glendale, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,837 (100%) |
| Owner Occupied HU | 3,989 (50.9%) |
| Renter Occupied HU | 2,891 (36.9%) |
| Vacant Housing Units | 957 (12.2%) |
| Median Home Value | $497,807 |
| Average Home Value | $520,895 |
Housing Distribution
Address Breakdown
Residential
7,898
Single Family
2,868
Multi-Family
5,030
Businesses
371
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
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 85305, Glendale, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,837 (100%) |
| Owner Occupied HU | 3,989 (50.9%) |
| Renter Occupied HU | 2,891 (36.9%) |
| Vacant Housing Units | 957 (12.2%) |
| Median Home Value | $497,807 |
| Average Home Value | $520,895 |
Housing Distribution
Address Breakdown
Residential
7,898
Single Family
2,868
Multi-Family
5,030
Businesses
371
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
