121 Osprey LnLyonsCO80540
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.49% gross rental yield, 121 Osprey Ln, Lyons, CO, 80540 in Lyons is priced for capital growth, not immediate cash flow. The $985,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $272,137 by year five, with $9,072/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.84) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $243,300.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 7.0% |
| Monthly Cash Flow | $(2,087) | $1,500 |
City averages based on Lyons market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,741 |
| Total Monthly Debt Service | $5,349 |
| DSCR Ratio | 0.70x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2007
9,688 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80540, Lyons, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,506 (100%) |
| Owner Occupied HU | 1,635 (65.2%) |
| Renter Occupied HU | 363 (14.5%) |
| Vacant Housing Units | 508 (20.3%) |
| Median Home Value | $916,051 |
| Average Home Value | $1,038,884 |
Housing Distribution
Address Breakdown
Residential
1,352
Single Family
1,352
Multi-Family
0
Businesses
121
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 2007
9,688 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80540, Lyons, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,506 (100%) |
| Owner Occupied HU | 1,635 (65.2%) |
| Renter Occupied HU | 363 (14.5%) |
| Vacant Housing Units | 508 (20.3%) |
| Median Home Value | $916,051 |
| Average Home Value | $1,038,884 |
Housing Distribution
Address Breakdown
Residential
1,352
Single Family
1,352
Multi-Family
0
Businesses
121
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices