1395 W County Road 2 South RoadMonte VistaCO81144
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 1395 W County Road 2 South Road, Monte Vista, CO, 81144 in Monte Vista the bet is firmly on appreciation. Rental yield 0.99%. The 0.99% gross yield on a $1,850,000 price is below income-first thresholds, but 5%/yr value growth projects $511,121 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.18) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $103,252.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1% | 8.0% |
| Monthly Cash Flow | $(9,251) | $300 |
City averages based on Monte Vista market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,530 |
| Total Monthly Debt Service | $10,045 |
| DSCR Ratio | 0.15x |
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 2008
160 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81144, Monte Vista, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,220 (100%) |
| Owner Occupied HU | 1,905 (59.2%) |
| Renter Occupied HU | 1,019 (31.6%) |
| Vacant Housing Units | 296 ( 9.2%) |
| Median Home Value | $248,318 |
| Average Home Value | $311,286 |
Housing Distribution
Address Breakdown
Residential
2,954
Single Family
2,875
Multi-Family
79
Businesses
381
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 2008
160 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81144, Monte Vista, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,220 (100%) |
| Owner Occupied HU | 1,905 (59.2%) |
| Renter Occupied HU | 1,019 (31.6%) |
| Vacant Housing Units | 296 ( 9.2%) |
| Median Home Value | $248,318 |
| Average Home Value | $311,286 |
Housing Distribution
Address Breakdown
Residential
2,954
Single Family
2,875
Multi-Family
79
Businesses
381
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bruce Steffens • Steffens and Company Realty, Inc
Mls Name: CREN
Mls ID: #826111