132 W Front StFlorenceCO81226
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 132 W Front St, Florence, CO, 81226 in Florence at $269,000 earns $1,722/mo in rent and nets $154/mo after the $1,210/mo payment, a 7.68% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $74,320 over five years. Ziffy Mortgage underwrites this on a 1.42 DSCR without U.S. credit history. With $2,478/yr in principal paydown, total projected return reaches $111,481.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.0% |
| Monthly Cash Flow | $154 | $250 |
City averages based on Florence market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,722 |
| Total Monthly Debt Service | $1,461 |
| DSCR Ratio | 1.18x |
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 1924
7,013 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81226, Florence, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,880 (100%) |
| Owner Occupied HU | 1,984 (68.9%) |
| Renter Occupied HU | 669 (23.2%) |
| Vacant Housing Units | 227 ( 7.9%) |
| Median Home Value | $253,135 |
| Average Home Value | $306,033 |
Housing Distribution
Address Breakdown
Residential
2,570
Single Family
2,562
Multi-Family
8
Businesses
247
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 1924
7,013 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81226, Florence, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,880 (100%) |
| Owner Occupied HU | 1,984 (68.9%) |
| Renter Occupied HU | 669 (23.2%) |
| Vacant Housing Units | 227 ( 7.9%) |
| Median Home Value | $253,135 |
| Average Home Value | $306,033 |
Housing Distribution
Address Breakdown
Residential
2,570
Single Family
2,562
Multi-Family
8
Businesses
247
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices