385 S Hildale StColorado CityAZ86021
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 385 S Hildale St, Colorado City, AZ, 86021 in Colorado City is capital appreciation. Rental yield 4.27%. The 4.27% gross yield at $1,300,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $359,166 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.79) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $294,622.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 6.2% |
| Monthly Cash Flow | $(3,057) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $4,627 |
| Total Monthly Debt Service | $7,167 |
| DSCR Ratio | 0.65x |
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 1999
0.95 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 86021, Colorado City, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,194 (100%) |
| Owner Occupied HU | 641 (53.7%) |
| Renter Occupied HU | 383 (32.1%) |
| Vacant Housing Units | 170 (14.2%) |
| Median Home Value | $217,991 |
| Average Home Value | $277,555 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
258
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 1999
0.95 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 86021, Colorado City, AZ area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,194 (100%) |
| Owner Occupied HU | 641 (53.7%) |
| Renter Occupied HU | 383 (32.1%) |
| Vacant Housing Units | 170 (14.2%) |
| Median Home Value | $217,991 |
| Average Home Value | $277,555 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
258
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Angela Herzog • ERA Brokers Consolidated, Inc.
Mls Name: Beaver Dam AOR
Mls ID: #1203943