131 Arena RdCliffNM88028
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 131 Arena Rd, Cliff, NM, 88028 in Cliff is capital appreciation. Rental yield 4.79%. The 4.79% gross yield at $275,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $75,977 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.89) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $70,647.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 6.2% |
| Monthly Cash Flow | $(516) | $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 | $1,098 |
| Total Monthly Debt Service | $1,505 |
| DSCR Ratio | 0.73x |
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.
Manufactured
Built in 1997
10.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 88028, Cliff, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 185 (100%) |
| Owner Occupied HU | 132 (71.4%) |
| Renter Occupied HU | 22 (11.9%) |
| Vacant Housing Units | 31 (16.8%) |
| Median Home Value | $292,308 |
| Average Home Value | $358,542 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
22
Nearby investment properties with comparable rents
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 1997
10.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 88028, Cliff, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 185 (100%) |
| Owner Occupied HU | 132 (71.4%) |
| Renter Occupied HU | 22 (11.9%) |
| Vacant Housing Units | 31 (16.8%) |
| Median Home Value | $292,308 |
| Average Home Value | $358,542 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
22
Nearby investment properties with comparable rents
Listed by: Carol Thompson • Thompson Realty PC
Mls Name: SCRMLS
Mls Provider:
Mls ID: #40887
Disclaimer: Some of the information contained herein has been provided by the SCRMLS, Inc. This information is from sources deemed reliable and not guaranteed by SCRMLS, Inc. The information is for consumers personal, non-commercial use and may not be used for any purposes other than identifying properties which consumers may be interested in purchasing.