109 6th StreetFort LuptonCO80621
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 109 6th Street, Fort Lupton, CO, 80621 in Fort Lupton at $345,000 earns $2,208/mo in rent and nets $197/mo after the $1,551/mo payment, a 7.68% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $95,317 over five years. Ziffy Mortgage underwrites this on a 1.42 DSCR without U.S. credit history. With $3,177/yr in principal paydown, total projected return reaches $142,989.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 8.2% |
| Monthly Cash Flow | $197 | $300 |
City averages based on Fort Lupton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,208 |
| Total Monthly Debt Service | $1,873 |
| DSCR Ratio | 1.18x |
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 1919
6,875 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80621, Fort Lupton, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,625 (100%) |
| Owner Occupied HU | 4,243 (75.4%) |
| Renter Occupied HU | 1,214 (21.6%) |
| Vacant Housing Units | 168 ( 3.0%) |
| Median Home Value | $468,879 |
| Average Home Value | $534,785 |
Housing Distribution
Address Breakdown
Residential
5,306
Single Family
5,080
Multi-Family
226
Businesses
476
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 1919
6,875 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80621, Fort Lupton, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,625 (100%) |
| Owner Occupied HU | 4,243 (75.4%) |
| Renter Occupied HU | 1,214 (21.6%) |
| Vacant Housing Units | 168 ( 3.0%) |
| Median Home Value | $468,879 |
| Average Home Value | $534,785 |
Housing Distribution
Address Breakdown
Residential
5,306
Single Family
5,080
Multi-Family
226
Businesses
476
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Debbra Abeyta • Keller Williams Integrity Real Estate LLC
Mls Name: REcolorado
Mls Provider:
Mls ID: #8504338
Disclaimer: 2025 REcolorado All rights reserved. Certain information contained herein is derived from information which is the licensed property of, and copyrighted by, REcolorado. [Click here for more information](/mls-disclaimers/#17059)