149 Champagne HlsTruth Or ConsequencesNM87901
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderNot flashy, but dependably profitable, 149 Champagne Hls, Truth Or Consequences, NM, 87901 in Truth Or Consequences is listed at $670,000 and delivers $4,188/mo in rent and $255/mo in net monthly cash flow. The 7.5% yield and 1.39 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 $185,109 over five years, and $6,171/yr in principal reduction supplements cash return. Total projected cumulative return: $269,547.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.2% |
| Monthly Cash Flow | $255 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $4,188 |
| Total Monthly Debt Service | $3,666 |
| DSCR Ratio | 1.14x |
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 2006
4.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87901, Truth Or Consequences, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,896 (100%) |
| Owner Occupied HU | 2,340 (47.8%) |
| Renter Occupied HU | 1,260 (25.7%) |
| Vacant Housing Units | 1,296 (26.5%) |
| Median Home Value | $114,193 |
| Average Home Value | $142,601 |
Housing Distribution
Address Breakdown
Residential
3,167
Single Family
3,091
Multi-Family
76
Businesses
373
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
4.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87901, Truth Or Consequences, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,896 (100%) |
| Owner Occupied HU | 2,340 (47.8%) |
| Renter Occupied HU | 1,260 (25.7%) |
| Vacant Housing Units | 1,296 (26.5%) |
| Median Home Value | $114,193 |
| Average Home Value | $142,601 |
Housing Distribution
Address Breakdown
Residential
3,167
Single Family
3,091
Multi-Family
76
Businesses
373
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jose Chan • Real Broker LLC - Agave Group
Mls Name: SNMMLS
Mls ID: #2503487