1004-1006 Utica Ave #2PuebloCO81001
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder1004-1006 Utica Ave #2, Pueblo, CO, 81001 in Pueblo earns a respectable 7.66% gross yield at $299,999, but after the $1,349/mo mortgage the net cash flow is $166/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.42) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $82,884 over five years, making equity the dominant return driver. Total projected return: $123,928.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 12.0% |
| Monthly Cash Flow | $166 | $2,100 |
City averages based on Pueblo market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,914 |
| Total Monthly Debt Service | $1,629 |
| DSCR Ratio | 1.17x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Multi Family
Built in 1973
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81001, Pueblo, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,172 (100%) |
| Owner Occupied HU | 6,254 (47.5%) |
| Renter Occupied HU | 5,983 (45.4%) |
| Vacant Housing Units | 935 ( 7.1%) |
| Median Home Value | $267,122 |
| Average Home Value | $339,961 |
Housing Distribution
Address Breakdown
Residential
12,299
Single Family
11,411
Multi-Family
888
Businesses
550
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Multi Family
Built in 1973
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81001, Pueblo, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,172 (100%) |
| Owner Occupied HU | 6,254 (47.5%) |
| Renter Occupied HU | 5,983 (45.4%) |
| Vacant Housing Units | 935 ( 7.1%) |
| Median Home Value | $267,122 |
| Average Home Value | $339,961 |
Housing Distribution
Address Breakdown
Residential
12,299
Single Family
11,411
Multi-Family
888
Businesses
550
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices