114 N Main StYumaCO80759
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 114 N Main St, Yuma, CO, 80759 in Yuma is listed at $260,000 and delivers $1,764/mo in rent and $249/mo in net monthly cash flow. The 8.14% yield and 1.51 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $71,833 over five years, and $2,395/yr in principal reduction supplements cash return. Total projected cumulative return: $114,237.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $249 | $300 |
City averages based on Yuma market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,764 |
| Total Monthly Debt Service | $1,412 |
| DSCR Ratio | 1.25x |
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 1955
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80759, Yuma, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,963 (100%) |
| Owner Occupied HU | 1,233 (62.8%) |
| Renter Occupied HU | 543 (27.7%) |
| Vacant Housing Units | 187 ( 9.5%) |
| Median Home Value | $318,103 |
| Average Home Value | $412,484 |
Housing Distribution
Address Breakdown
Residential
1,858
Single Family
1,808
Multi-Family
50
Businesses
293
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 1955
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80759, Yuma, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,963 (100%) |
| Owner Occupied HU | 1,233 (62.8%) |
| Renter Occupied HU | 543 (27.7%) |
| Vacant Housing Units | 187 ( 9.5%) |
| Median Home Value | $318,103 |
| Average Home Value | $412,484 |
Housing Distribution
Address Breakdown
Residential
1,858
Single Family
1,808
Multi-Family
50
Businesses
293
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices