1445 Proctor CtWhitewaterCO81527
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 1445 Proctor Ct, Whitewater, CO, 81527 in Whitewater worth study. Rental yield 5.25%. The 5.25% gross yield is below cash-flow benchmarks at $765,000, but 5% annual appreciation, adding $211,355 over five years, frames this as a capital growth position. Rent of $3,347/mo partially offsets the $3,440/mo payment. Ziffy Mortgage finances appreciation-play properties (0.97 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $217,342.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 6.0% |
| Monthly Cash Flow | $(1,111) | $300 |
City averages based on Whitewater market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,347 |
| Total Monthly Debt Service | $4,154 |
| DSCR Ratio | 0.81x |
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 2006
2.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81527, Whitewater, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 909 (100%) |
| Owner Occupied HU | 739 (81.3%) |
| Renter Occupied HU | 99 (10.9%) |
| Vacant Housing Units | 71 ( 7.8%) |
| Median Home Value | $559,987 |
| Average Home Value | $559,878 |
Housing Distribution
Address Breakdown
Residential
812
Single Family
812
Multi-Family
0
Businesses
30
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 2006
2.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81527, Whitewater, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 909 (100%) |
| Owner Occupied HU | 739 (81.3%) |
| Renter Occupied HU | 99 (10.9%) |
| Vacant Housing Units | 71 ( 7.8%) |
| Median Home Value | $559,987 |
| Average Home Value | $559,878 |
Housing Distribution
Address Breakdown
Residential
812
Single Family
812
Multi-Family
0
Businesses
30
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: THE SHAFER TEAM - JULIE SHAFER • COLDWELL BANKER DISTINCTIVE PROPERTIES
Mls Name: GJARA
Mls ID: #20255225