1116 Calle GallegosEspanolaNM87532
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 1116 Calle Gallegos, Espanola, NM, 87532 in Espanola hard to pass up. The 12.34% gross yield on a $146,300 purchase results in $1,505/mo in rent and $646/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (2.29). Annual cash flow of $7,753, five-year appreciation of $40,420, and $1,347/yr in equity build-up combine for a projected total cumulative return of $96,893.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.3% | 6.2% |
| Monthly Cash Flow | $646 | $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 | $1,505 |
| Total Monthly Debt Service | $800 |
| DSCR Ratio | 1.88x |
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.
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87532, Espanola, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,733 (100%) |
| Owner Occupied HU | 5,775 (66.1%) |
| Renter Occupied HU | 2,181 (25.0%) |
| Vacant Housing Units | 777 ( 8.9%) |
| Median Home Value | $277,277 |
| Average Home Value | $313,276 |
Housing Distribution
Address Breakdown
Residential
4,070
Single Family
3,956
Multi-Family
114
Businesses
449
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
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87532, Espanola, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,733 (100%) |
| Owner Occupied HU | 5,775 (66.1%) |
| Renter Occupied HU | 2,181 (25.0%) |
| Vacant Housing Units | 777 ( 8.9%) |
| Median Home Value | $277,277 |
| Average Home Value | $313,276 |
Housing Distribution
Address Breakdown
Residential
4,070
Single Family
3,956
Multi-Family
114
Businesses
449
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A