102 Pear StRoswellNM88201
INVESTMENT ANALYSIS
Investment Verdict
Solid Income102 Pear St, Roswell, NM, 88201 in Roswell earns a respectable 9.15% gross yield at $113,000, but after the $508/mo mortgage the net cash flow is $199/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.70) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $31,220 over five years, making equity the dominant return driver. Total projected return: $55,490.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.2% | 6.2% |
| Monthly Cash Flow | $199 | $450 |
City averages based on Roswell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $862 |
| Total Monthly Debt Service | $618 |
| DSCR Ratio | 1.39x |
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 1942
8,041 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 88201, Roswell, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,560 (100%) |
| Owner Occupied HU | 7,342 (63.5%) |
| Renter Occupied HU | 2,886 (25.0%) |
| Vacant Housing Units | 1,332 (11.5%) |
| Median Home Value | $228,408 |
| Average Home Value | $285,709 |
Housing Distribution
Address Breakdown
Residential
10,479
Single Family
9,805
Multi-Family
674
Businesses
1,079
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 1942
8,041 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 88201, Roswell, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,560 (100%) |
| Owner Occupied HU | 7,342 (63.5%) |
| Renter Occupied HU | 2,886 (25.0%) |
| Vacant Housing Units | 1,332 (11.5%) |
| Median Home Value | $228,408 |
| Average Home Value | $285,709 |
Housing Distribution
Address Breakdown
Residential
10,479
Single Family
9,805
Multi-Family
674
Businesses
1,079
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Heidi Bills • Keller Williams Roswell
Mls Name: New Mexico MLS
Mls ID: #20255923