141 S Terry StGoldenCO80401
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 141 S Terry St, Golden, CO, 80401 in Golden the bet is firmly on appreciation. Rental yield 4.69%. The 4.69% gross yield on a $915,990 price is below income-first thresholds, but 5%/yr value growth projects $253,071 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.87) 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: $232,771.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 6.0% |
| Monthly Cash Flow | $(1,759) | $300 |
City averages based on Golden market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,580 |
| Total Monthly Debt Service | $4,974 |
| DSCR Ratio | 0.72x |
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80401, Golden, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,912 (100%) |
| Owner Occupied HU | 10,629 (56.2%) |
| Renter Occupied HU | 6,916 (36.6%) |
| Vacant Housing Units | 1,367 ( 7.2%) |
| Median Home Value | $866,393 |
| Average Home Value | $916,978 |
Housing Distribution
Address Breakdown
Residential
18,425
Single Family
14,339
Multi-Family
4,086
Businesses
1,842
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 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80401, Golden, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,912 (100%) |
| Owner Occupied HU | 10,629 (56.2%) |
| Renter Occupied HU | 6,916 (36.6%) |
| Vacant Housing Units | 1,367 ( 7.2%) |
| Median Home Value | $866,393 |
| Average Home Value | $916,978 |
Housing Distribution
Address Breakdown
Residential
18,425
Single Family
14,339
Multi-Family
4,086
Businesses
1,842
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
