1307 Victoria StCloudcroftNM88317
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, 1307 Victoria St, Cloudcroft, NM, 88317 in Cloudcroft earns a 11.69% gross yield at $119,500. Rent of $1,164/mo nets $463/mo after the $537/mo mortgage. The 2.17 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $33,016 and $1,101/yr in equity accumulation project a total cumulative return of $74,977.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.2% |
| Monthly Cash Flow | $463 | $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 | $1,164 |
| Total Monthly Debt Service | $654 |
| DSCR Ratio | 1.78x |
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.
Manufactured
Built in 1963
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 88317, Cloudcroft, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,782 (100%) |
| Owner Occupied HU | 856 (30.8%) |
| Renter Occupied HU | 144 ( 5.2%) |
| Vacant Housing Units | 1,782 (64.1%) |
| Median Home Value | $306,383 |
| Average Home Value | $374,416 |
Housing Distribution
Address Breakdown
Residential
799
Single Family
799
Multi-Family
0
Businesses
122
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
Manufactured
Built in 1963
0.32 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 88317, Cloudcroft, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,782 (100%) |
| Owner Occupied HU | 856 (30.8%) |
| Renter Occupied HU | 144 ( 5.2%) |
| Vacant Housing Units | 1,782 (64.1%) |
| Median Home Value | $306,383 |
| Average Home Value | $374,416 |
Housing Distribution
Address Breakdown
Residential
799
Single Family
799
Multi-Family
0
Businesses
122
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cheyenne King • Coldwell Banker Sudderth Nelson
Mls Name: OCMLS
Mls ID: #171529