Phoenix Real Estate Investment Guide

America's fastest-growing major metro offers explosive appreciation, tech sector expansion, and retirement migration driving unprecedented investment opportunities in the Valley of the Sun.

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Phoenix Investment Market Overview

Phoenix continues to lead the nation in population growth and real estate appreciation, driven by corporate relocations, tech expansion, and retiree migration.

Market Statistics

$524K

Median Home Price

↗ 18.2% YoY Growth

6.1%

Average Cap Rate

DSCR Properties

$2,350

Average Monthly Rent

Single Family Homes

1.25

Average DSCR

Rental Properties

Population Growth Impact

Daily New Residents300+

5-Year Population Growth11.2%

Job Growth Rate4.8%

Investment Drivers

Tech Hub Expansion

Intel's $20B investment, TSMC semiconductor manufacturing, and major tech relocations

Corporate Relocations

Fortune 500 companies moving headquarters from high-tax states

Retiree Magnet

No tax on retirement income and 300+ sunny days annually

Healthcare Growth

Mayo Clinic expansion and medical research facilities

Top Phoenix Investment Neighborhoods

Ahwatukee

Family Suburban

Median Price

$675K

Monthly Rent

$2,800-3,400

Cap Rate

5.8%

Appreciation

19.5%

Top-rated schools

Mountain views

New developments

Arcadia

Luxury Central

Median Price

$1.2M

Monthly Rent

$4,200-6,500

Cap Rate

4.2%

Appreciation

22.1%

Camelback Mountain

Luxury rentals

Historic charm

Gilbert Border

Growth Corridor

Median Price

$485K

Monthly Rent

$2,400-2,900

Cap Rate

6.4%

Appreciation

21.8%

Tech employment

New construction

Family friendly

Tempe/ASU Area

Student Housing

Median Price

$420K

Monthly Rent

$1,800-2,600

Cap Rate

7.1%

Appreciation

18.9%

University rental

High occupancy

Transit access

West Phoenix

Emerging Value

Median Price

$385K

Monthly Rent

$2,100-2,700

Cap Rate

7.8%

Appreciation

25.3%

Rapid appreciation

Value plays

Growth potential

North Scottsdale

Luxury/Vacation

Median Price

$950K

Monthly Rent

$3,800-5,200

Cap Rate

4.8%

Appreciation

17.2%

Desert luxury

Vacation rentals

Golf communities

Phoenix DSCR Loan Programs

Specialized financing for Phoenix real estate investors

Standard DSCR

DSCR Minimum1.00+

LTVUp to 80%

Rates from7.75%

Terms30 Years

• Phoenix market expertise
• Fast 2-week closings
• No personal income verification
• Investment property focused

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No-Ratio DSCR

DSCR MinimumNo Minimum

LTVUp to 75%

Rates from8.25%

Terms30 Years

• Perfect for value-add properties
• Renovation loan options
• Phoenix rehab specialists
• Flexible underwriting

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Blanket DSCR

Properties2-10 Units

LTVUp to 75%

Rates from8.00%

Min Loan$1M

• Portfolio financing solutions
• Cross-collateralization
• Phoenix portfolio expertise
• Streamlined process

Portfolio Financing

Phoenix Investment Analysis

Sample Cash Flow Analysis

Purchase Price$500,000

Down Payment (25%)($125,000)

Monthly Rental Income$2,600

Monthly PITI($2,180)

Property Management($130)

Insurance & Maintenance($180)

Monthly Cash Flow$110

DSCR Ratio1.19

Market Forecast 2024

Price Appreciation

Projected 12-15% annual growth through 2024

Population Growth

110,000+ new residents expected annually

New Construction

Limited supply keeping prices elevated

Job Market

Tech sector adding 25,000+ high-paying jobs

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