Why This Deal Exists Right Now
The seller has owned this home since the early 2000s and is ready to move on. Rather than list on the MLS and deal with showings, inspections, and a 60-day close, they agreed to a hybrid structure that gets them out fast and delivers real value to the right buyer.
The result is a rare combination — a 2.5% fixed rate locked in from a 2021 purchase, plus a $17,500 seller carryback at 0% interest. The seller essentially becomes a silent second lender at no cost to you.
Tucson's rental market has tightened significantly over the last 24 months. The northwest corridor near Marana — where this property sits — has seen consistent demand from University of Arizona staff, healthcare workers at Banner and TMC, and remote workers priced out of Phoenix.
The Full Numbers Breakdown
| Field | Details |
|---|---|
| Asking Price | $400,335 |
| Entry Fee (Out of Pocket) | $30,000 |
| Existing Loan Balance | $352,835 |
| Interest Rate (LOCKED) | 2.5% |
| PITI Payment | $1,770/mo |
| Seller Finance Terms | $17,500 seller carry at 0% interest — balloon July 2030 |
| Est. Market Rent | $1,950 |
| Comps ARV | $430,000 |
| Equity at Entry | $29,665 |
| Beds / Baths | 3 bd / 2.5 ba |
| Square Footage | 1,713 |
| Year Built | 1993 |
| Close of Escrow | May 4, 2026 |
Investment Strategies That Work Here
Buy and Hold — Cash Flow Play: At $1,770/mo PITI plus $200/mo on the seller carry, your total payment is $1,970/mo against a $1,950/mo rental estimate. That's essentially break-even on day one — with $30K entry into a $400K asset in a market with strong long-term appreciation fundamentals. As rents rise, this deal gets better every year.
BRRRR Potential: At a stabilized ARV of $430,000, a 75% LTV refi pulls out $322,500 — well above the $370,335 in outstanding liens — making a cash-out refi viable after 12 months of seasoning. You could recover most of your entry while keeping the asset performing.
Midterm Rental (MTR): This is a 3bd/2.5ba in a well-maintained HOA community with a pool. Furnished MTR to traveling nurses, contractors, or relocating families could generate $2,400–2,800/mo — significantly improving cash flow over LTR.
0% Carry Advantage: The $17,500 at 0% interest saves you roughly $875–1,050 in interest over the balloon period compared to borrowing at 5-6%. It also keeps your monthly obligation low while you build equity.
Who This Deal Is For
Buyer Fit
Buy and hold investors comfortable with creative finance
Want to lock in a 2.5% rate that cannot be replicated today
Interested in the Tucson market — strong long-term fundamentals
Open to MTR or LTR strategies with a quality tenant profile
Have reserves and a 5+ year horizon
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