1008 James StSanta ClaraNM88026
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThis Santa Clara rental at 1008 James St, Santa Clara, NM, 88026 sits in the solid-income band: 10.34% gross yield, $1,284/mo rent, $409/mo net after the $670/mo debt service, DSCR 1.92. Entry price of $149,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $41,166 and $1,372/yr in principal reduction bring total cumulative return to $82,648.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.3% | 6.2% |
| Monthly Cash Flow | $409 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,284 |
| Total Monthly Debt Service | $815 |
| DSCR Ratio | 1.57x |
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.
Single Family
Built in 1920
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 88026, Santa Clara, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 789 (100%) |
| Owner Occupied HU | 471 (59.7%) |
| Renter Occupied HU | 191 (24.2%) |
| Vacant Housing Units | 127 (16.1%) |
| Median Home Value | $128,309 |
| Average Home Value | $134,528 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
23
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
Single Family
Built in 1920
0.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 88026, Santa Clara, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 789 (100%) |
| Owner Occupied HU | 471 (59.7%) |
| Renter Occupied HU | 191 (24.2%) |
| Vacant Housing Units | 127 (16.1%) |
| Median Home Value | $128,309 |
| Average Home Value | $134,528 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Alexa Trujillo • Enchantment Realty
Mls Name: SCRMLS
Mls Provider:
Mls ID: #40644
Disclaimer: Some of the information contained herein has been provided by the SCRMLS, Inc. This information is from sources deemed reliable and not guaranteed by SCRMLS, Inc. The information is for consumers personal, non-commercial use and may not be used for any purposes other than identifying properties which consumers may be interested in purchasing.