1249 M RdLomaCO81524
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 1249 M Rd, Loma, CO, 81524 in Loma is narrow, $61/mo net on $3,179/mo rent after the $2,406/mo debt service, but the property operates at break-even-plus, not a loss. At $535,000 with a 7.13% yield, the long-run equity case via 5% appreciation ($147,811 over five years) and $4,927/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.32 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $205,944.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 6.0% |
| Monthly Cash Flow | $61 | $1,200 |
City averages based on Loma market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,179 |
| Total Monthly Debt Service | $2,905 |
| DSCR Ratio | 1.09x |
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 1936
4.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81524, Loma, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,045 (100%) |
| Owner Occupied HU | 825 (78.9%) |
| Renter Occupied HU | 167 (16.0%) |
| Vacant Housing Units | 53 ( 5.1%) |
| Median Home Value | $722,271 |
| Average Home Value | $756,636 |
Housing Distribution
Address Breakdown
Residential
908
Single Family
908
Multi-Family
0
Businesses
54
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 1936
4.62 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81524, Loma, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,045 (100%) |
| Owner Occupied HU | 825 (78.9%) |
| Renter Occupied HU | 167 (16.0%) |
| Vacant Housing Units | 53 ( 5.1%) |
| Median Home Value | $722,271 |
| Average Home Value | $756,636 |
Housing Distribution
Address Breakdown
Residential
908
Single Family
908
Multi-Family
0
Businesses
54
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices