Properties / 49594 EMERALD Avenue
VA ASSUMABLERate: 6.15%

49594 EMERALD Avenue

$185,000
Quartzsite, AZ 85346
3 beds2 baths1,456 sqftSingle Family
The assumable advantage
6.15%
VA assumed rate
$49,509 interest already paid off
Estimated Loan Balance$224,937
Cash to close$0
Est. Monthly PITI$1,699
Initial Loan Amount$235,000
Time on site12 days
Remaining Term26 years, 6 months
Seller's equity (what you pay)
$0
Cash or secondary financing
Monthly savings
$0
Versus today's market rate
Est. savings per year
$0K
Versus today's market rate

About this home

ATTENTION INVESTORS AND FLIPPERS! Bring your vision to this spacious 3-bedroom, 2-bath home in the desirable Rainbow Acres community. This home features an open-concept layout that connects the kitchen, breakfast nook, and living area, providing an excellent base for your custom renovations. The home includes a functional kitchen with butcher block countertops, a stainless steel sink, and a dishwasher. Generously sized laundry room offers extra storage. The exterior features a large, low-maintenance lot with attractive landscaping rock, two RV hookups, two drive gates, and a separate man gate for easy access. Enjoy relaxing on the covered patio or under the additional patio/carport while taking in the stunning mountain views. Enclosed by higher-than-average Mexican brick walls, this property offers privacy and significant potential for the right buyer. Vacant and ready for a new owner to bring their creative touch! Priced well below appraised value. SHORT SALE - SUBJECT TO THIRD-PARTY APPROVAL.

How assumption works for this home

Can I assume this VA loan?

Yes, as long as you meet the lender's credit (620+) and DTI requirements. You do NOT need to be a veteran to assume a VA loan — this is a common misconception.

How much cash do I actually need?

You need to cover the seller's equity of $0. If you don't have that in cash, we can help structure secondary financing to cover the gap.

Can investors assume this one?

Yes — VA assumptions can be used for investment properties. You can rent this home out.

How long does this take?

Typically 45 days. The lender underwriting is 2–3 weeks, and the rest is standard closing.

Property details

Bedrooms3
Bathrooms2
Square feet1,456
Property typeSingle Family
MLS #7073244
CountyMaricopa County
Assumable loanVA
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Investor?
This VA loan can be assumed and rented. Talk to Jeff about the ROI math.
Jeff Salazar
Active now · (602) 332-3860
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Payment & cash calculator

Cash covers the gap between the price and the existing loan balance. Changing this amount does not change the existing mortgage payment.

Est. mortgage payment (P&I)
$1,435/mo
Source est. payment (PITI)
$1,699/mo

P&I is principal and interest. PITI also includes estimated taxes and insurance. HOA fees and payments on any additional financing are separate.

Estimated equity gap

Asking price minus remaining loan balance. Closing costs are additional.

Confirm the current loan balance and equity requirement with an agent before estimating cash needed.