1341 N 95th StLafayetteCO80026
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 1341 N 95th St, Lafayette, CO, 80026 in Lafayette is capital appreciation. Rental yield 2.74%. The 2.74% gross yield at $1,945,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $537,368 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.51) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $290,471.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.7% | 6.5% |
| Monthly Cash Flow | $(6,899) | $350 |
City averages based on Lafayette market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,436 |
| Total Monthly Debt Service | $10,561 |
| DSCR Ratio | 0.42x |
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 1915
2.58 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80026, Lafayette, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,619 (100%) |
| Owner Occupied HU | 9,297 (63.6%) |
| Renter Occupied HU | 4,895 (33.5%) |
| Vacant Housing Units | 427 ( 2.9%) |
| Median Home Value | $784,299 |
| Average Home Value | $831,890 |
Housing Distribution
Address Breakdown
Residential
14,269
Single Family
12,382
Multi-Family
1,887
Businesses
1,230
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 1915
2.58 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80026, Lafayette, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,619 (100%) |
| Owner Occupied HU | 9,297 (63.6%) |
| Renter Occupied HU | 4,895 (33.5%) |
| Vacant Housing Units | 427 ( 2.9%) |
| Median Home Value | $784,299 |
| Average Home Value | $831,890 |
Housing Distribution
Address Breakdown
Residential
14,269
Single Family
12,382
Multi-Family
1,887
Businesses
1,230
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices