Panel vintageSeptember 1, 2026Demonstration data — not live MLS
Parcel
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7118 S 41st Dr

Laveen · Phoenix, AZ 85339 · Single-family

Active43 days on marketID P-022
Price
$431,000
Est. rent / mo
$2,395
Est. cap rate
3.65%
Est. cash-on-cash
-7.95%
Est. DSCR
0.63
Rent / price
0.556%
$ / sq ft
$197
Est. cash flow / mo
-$785

At the baseline set: 25% down, 6.75%, 30-year amortisation. Estimates.

7118 S 41st Dr — single-storey stucco ranch elevation with a gravel front yard
7118 S 41st Dr — renovated kitchen with quartz counters and vinyl plank flooring
7118 S 41st Dr — vacant living area with vinyl plank flooring and a slider to the patio
7118 S 41st Dr — renovated bathroom with a tiled tub surround
7118 S 41st Dr — exterior condenser units on a gravel pad

Representative stock photography of Phoenix-metro residential product. These images do not depict this address.

The read

Ten-year-old tract. Nothing mechanical is due inside the hold horizon, which is what justifies running a 4% CapEx reserve here instead of the panel default 5%.

  • Built 2016
  • HOA $92/mo
  • Tankless water heater
  • Smart thermostat

Facts

Physical
Property typeSingle-family
Units1
Bedrooms / bathrooms4 / 3
Living area2,185 sq ft
Lot6,098 sq ft
Year built2016 (10 yrs)
Stories2
Parking2-car garage
Coordinates33.3524, -112.1761
Carry — estimated
Property tax / yr$2,500
Insurance / yr$1,910
HOA / mo$92
Other fixed / yr$360
Total est. operating / yr$11,277
HVAC installed2016
Roof installed2016
Water providerCity of Phoenix
FEMA flood zoneZone 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.

Purchase & financing
Income
Operating expenses

Monthly cash flow

−$785

after debt service, before tax

Cap rate

3.65%

NOI ÷ purchase price

Cash-on-cash

-7.95%

cash flow ÷ cash invested

DSCR

0.63

NOI ÷ annual debt service

Where the gross rent goes

  • Vacancy$1,724
  • Operating$11,277
  • Debt service$25,159
  • Cash flow$0
Annual income statement — estimated
Gross scheduled income$28,740
Less vacancy & credit loss−$1,724
Effective gross income$27,016
Less fixed operating−$5,874
Less variable operating−$5,403
Net operating income$15,738
Less annual debt service−$25,159
Pre-tax cash flow-$9,421
Loan amount$323,250
Monthly principal & interest$2,097
Cash invested$118,525
Operating expense ratio41.7%
Break-even occupancy126.8%
Gross rent multiplier15.0
Rent-to-price ratio0.556%

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.

$400,000$425,000$450,000Aug 26Sep 26

List-price events
DateEventPriceChange
July 10, 2026Listed$431,000—

Estimated value, indexed to the submarket

The current price carried backwards on the Laveen median-price index. An index adjustment, not an appraisal and not a record of transactions.

Comparables

Rent is compared per unit, which is the only fair basis across a house and a fourplex. The subject sits 8.4% above the median of its five closest comparables.

Monthly rent per unit

Drawn from the panel itself, ranked by product family, unit size, bedroom count and straight-line distance.

Table
Monthly rent per unit — full data. Drawn from the panel itself, ranked by product family, unit size, bedroom count and straight-line distance.
ComparableDetailRent / unit / mo
7118 S 41st Dr (subject)subject · 4/3 · 2,185 sq ft/unit$2,395
5902 W Vineyard Rd0.5 mi · 5/3 · 2,640 sq ft/unit$2,650
4433 W Baseline Rd0.9 mi · 3/2 · 1,780 sq ft/unit$2,210
2214 W Beautiful Ln1.4 mi · 3/2 · 1,622 sq ft/unit$2,095
6733 S 16th St7.1 mi · 4/2 · 1,745 sq ft/unit$2,240
11940 W Roma Ave10.7 mi · 4/3 · 2,160 sq ft/unit$2,180
Sale comparables — nearest 4 assets of the same type
AddressSubmarketDistancePriceSq ft$ / sq ft
7118 S 41st Dr SubjectLaveen—$431,0002,185$197
5902 W Vineyard RdLaveen0.5 mi$458,0002,640$173
4433 W Baseline RdLaveen0.9 mi$396,0001,780$222
2214 W Beautiful LnLaveen1.4 mi$372,0001,622$229
3320 W Southern AveSouth Mountain6.4 mi$336,0001,355$248

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.

Cash-on-cash return by purchase price and interest rate
Price \ Rate5.75%6.25%6.75%7.25%7.75%
$396,500−8%-4.7%-5.7%-6.8%-7.9%-9.0%
$414,000−4%-5.3%-6.3%-7.4%-8.5%-9.6%
$431,000ask-5.8%-6.9%-7.9%-9.0%-10.2%
$448,000+4%-6.3%-7.4%-8.5%-9.6%-10.7%
$465,500+8%-6.8%-7.9%-8.9%-10.0%-11.2%

Cash-on-cash-11.2% → -4.7%

What to check before you commit

  • HVAC

    Condenser installed 2016, 10 years old. Inside normal service life for this climate, so the CapEx reserve carries it rather than a year-one line item.

  • Roof

    Roof dates to 2016, 10 years old — inside the window most carriers will write without a surcharge.

  • 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

    $92 a month, $1,104 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.