7048 W Roosevelt St
Maryvale · Phoenix, AZ 85043 · Single-family
- Price
- $322,000
- Est. rent / mo
- $2,010
- Est. cap rate
- 4.17%
- Est. cash-on-cash
- -6.06%
- Est. DSCR
- 0.71
- Rent / price
- 0.624%
- $ / sq ft
- $221
- Est. cash flow / mo
- -$447
At the baseline set: 25% down, 6.75%, 30-year amortisation. Estimates.
Representative stock photography of Phoenix-metro residential product. These images do not depict this address.
The read
Roof is original at 21 years. In this climate that is at or past the end of a shingle roof’s service life — reserve for it or negotiate it.
- HOA $68/mo
- Condenser replaced 2019
- Original roof (2005)
- Block wall fencing
Facts
| Property type | Single-family |
|---|---|
| Units | 1 |
| Bedrooms / bathrooms | 3 / 2 |
| Living area | 1,460 sq ft |
| Lot | 6,098 sq ft |
| Year built | 2005 (21 yrs) |
| Stories | 1 |
| Parking | 2-car garage |
| Coordinates | 33.4774, -112.1578 |
| Property tax / yr | $1,870 |
|---|---|
| Insurance / yr | $1,660 |
| HOA / mo | $68 |
| Other fixed / yr | $360 |
| Total est. operating / yr | $9,241 |
| HVAC installed | 2019 |
| Roof installed | 2005 |
| Water provider | City of Phoenix |
| FEMA flood zone | Zone X |
Underwrite it
Every figure below recomputes as you move an input. Nothing is rounded until it is printed, and operating expenses never include debt service — that separation is what makes the cap rate a property of the building and the cash-on-cash a property of your deal. All outputs are estimates.
Monthly cash flow
−$447
after debt service, before tax
Cap rate
4.17%
NOI ÷ purchase price
Cash-on-cash
-6.06%
cash flow ÷ cash invested
DSCR
0.71
NOI ÷ annual debt service
Where the gross rent goes
- Vacancy$1,447
- Operating$9,241
- Debt service$18,796
- Cash flow$0
| Gross scheduled income | $24,120 |
|---|---|
| Less vacancy & credit loss | −$1,447 |
| Effective gross income | $22,673 |
| Less fixed operating | −$4,706 |
| Less variable operating | −$4,535 |
| Net operating income | $13,432 |
| Less annual debt service | −$18,796 |
| Pre-tax cash flow | -$5,364 |
| Loan amount | $241,500 |
| Monthly principal & interest | $1,566 |
| Cash invested | $88,550 |
| Operating expense ratio | 40.8% |
| Break-even occupancy | 116.2% |
| Gross rent multiplier | 13.3 |
| Rent-to-price ratio | 0.624% |
Estimated figures produced by a model from the assumptions on the left. Not an offer, an appraisal, a loan quote or investment advice. Taxes, insurance and operating expenses are estimates; verify each before you commit capital.
Price history
List-price history
Plotted on a true time axis — the horizontal distance between two points is how long that price actually stood. The asking price has not moved since listing.
| Date | Event | Price | Change |
|---|---|---|---|
| July 21, 2026 | Listed | $322,000 | — |
Estimated value, indexed to the submarket
The current price carried backwards on the Maryvale median-price index. An index adjustment, not an appraisal and not a record of transactions.
| Month | Estimated value |
|---|---|
| Oct 2024 | $310K |
| Nov 2024 | $314K |
| Dec 2024 | $316K |
| Jan 2025 | $318K |
| Feb 2025 | $317K |
| Mar 2025 | $315K |
| Apr 2025 | $310K |
| May 2025 | $305K |
| Jun 2025 | $302K |
| Jul 2025 | $301K |
| Aug 2025 | $303K |
| Sep 2025 | $307K |
| Oct 2025 | $311K |
| Nov 2025 | $313K |
| Dec 2025 | $315K |
| Jan 2026 | $314K |
| Feb 2026 | $312K |
| Mar 2026 | $311K |
| Apr 2026 | $312K |
| May 2026 | $314K |
| Jun 2026 | $318K |
| Jul 2026 | $321K |
| Aug 2026 | $322K |
| Sep 2026 | $322K |
Comparables
Rent is compared per unit, which is the only fair basis across a house and a fourplex. The subject sits 7.2% above the median of its five closest comparables.
| Address | Submarket | Distance | Price | Sq ft | $ / sq ft |
|---|---|---|---|---|---|
| 7048 W Roosevelt St Subject | Maryvale | — | $322,000 | 1,460 | $221 |
| 5122 W Campbell Ave | Maryvale | 0.9 mi | $344,000 | 1,608 | $214 |
| 2840 N 63rd Dr | Maryvale | 0.9 mi | $268,000 | 1,146 | $234 |
| 3907 W Osborn Rd | Maryvale | 1.1 mi | $289,000 | 1,092 | $265 |
| 4218 N 47th Ave | Maryvale | 1.4 mi | $312,000 | 1,284 | $243 |
Sensitivity
What a five-percent move in price or fifty basis points on the rate does to the return. Computed at the baseline assumption set, not at whatever you have set the calculator to — it is a fixed reference.
Sensitivity — cash-on-cash by price and rate
Every other assumption held at the baseline set. A fixed reference, not tied to the calculator above. Estimates.
| Price \ Rate | 5.75% | 6.25% | 6.75% | 7.25% | 7.75% |
|---|---|---|---|---|---|
| $296,000−8% | -2.6% | -3.6% | -4.7% | -5.8% | -6.9% |
| $309,000−4% | -3.3% | -4.3% | -5.4% | -6.5% | -7.6% |
| $322,000ask | -3.9% | -5.0% | -6.1% | -7.2% | -8.3% |
| $335,000+4% | -4.5% | -5.6% | -6.6% | -7.7% | -8.9% |
| $348,000+8% | -5.1% | -6.1% | -7.2% | -8.3% | -9.4% |
Cash-on-cash-9.4% → -2.6%
What to check before you commit
HVAC
Condenser installed 2019, 7 years old. Inside normal service life for this climate, so the CapEx reserve carries it rather than a year-one line item.
Roof at end of life
Roof dates to 2005. At 21 years, insurers in this market increasingly decline or surcharge; a replacement should be assumed rather than hoped against.
Flood
FEMA Zone X. Outside the mapped special flood hazard area; a lender will not require separate flood coverage.
Water allocation
Served by City of Phoenix. Long-run Colorado River and Central Arizona Project allocation is a genuine risk to price on the metro’s growth edges over a 10-to-20 year hold. It is a discount-rate question, not a next-quarter question.
HOA
$68 a month, $816 a year, payable whether or not the unit is occupied. Read the CC&Rs for rental caps and minimum lease terms before you underwrite a lease-up.