13640 Highway 14SterlingCO80751
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderNot flashy, but dependably profitable, 13640 Highway 14, Sterling, CO, 80751 in Sterling is listed at $574,900 and delivers $3,618/mo in rent and $268/mo in net monthly cash flow. The 7.55% yield and 1.40 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $158,834 over five years, and $5,295/yr in principal reduction supplements cash return. Total projected cumulative return: $234,346.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.0% |
| Monthly Cash Flow | $268 | $1,200 |
City averages based on Sterling market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,618 |
| Total Monthly Debt Service | $3,122 |
| DSCR Ratio | 1.16x |
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 2020
37.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80751, Sterling, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,865 (100%) |
| Owner Occupied HU | 3,904 (56.9%) |
| Renter Occupied HU | 2,345 (34.2%) |
| Vacant Housing Units | 616 ( 9.0%) |
| Median Home Value | $258,511 |
| Average Home Value | $305,221 |
Housing Distribution
Address Breakdown
Residential
6,551
Single Family
6,288
Multi-Family
263
Businesses
884
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 2020
37.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80751, Sterling, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,865 (100%) |
| Owner Occupied HU | 3,904 (56.9%) |
| Renter Occupied HU | 2,345 (34.2%) |
| Vacant Housing Units | 616 ( 9.0%) |
| Median Home Value | $258,511 |
| Average Home Value | $305,221 |
Housing Distribution
Address Breakdown
Residential
6,551
Single Family
6,288
Multi-Family
263
Businesses
884
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices