1145 Bitterroot CtJohnstownCO80534
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 1145 Bitterroot Ct, Johnstown, CO, 80534 in Johnstown is narrow, $197/mo net on $3,136/mo rent after the $2,267/mo debt service, but the property operates at break-even-plus, not a loss. At $504,250 with a 7.46% yield, the long-run equity case via 5% appreciation ($139,315 over five years) and $4,644/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.38 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $203,167.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 5.2% |
| Monthly Cash Flow | $197 | $420 |
City averages based on Johnstown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,136 |
| Total Monthly Debt Service | $2,738 |
| DSCR Ratio | 1.15x |
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 2026
7,699 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80534, Johnstown, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,917 (100%) |
| Owner Occupied HU | 6,809 (76.4%) |
| Renter Occupied HU | 1,754 (19.7%) |
| Vacant Housing Units | 354 ( 4.0%) |
| Median Home Value | $594,430 |
| Average Home Value | $640,457 |
Housing Distribution
Address Breakdown
Residential
7,956
Single Family
6,968
Multi-Family
988
Businesses
444
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 2026
7,699 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80534, Johnstown, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,917 (100%) |
| Owner Occupied HU | 6,809 (76.4%) |
| Renter Occupied HU | 1,754 (19.7%) |
| Vacant Housing Units | 354 ( 4.0%) |
| Median Home Value | $594,430 |
| Average Home Value | $640,457 |
Housing Distribution
Address Breakdown
Residential
7,956
Single Family
6,968
Multi-Family
988
Businesses
444
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices