149 Fireside STPagosa SpringsCO81147
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 149 Fireside ST, Pagosa Springs, CO, 81147 in Pagosa Springs. At $375,000 it earns $2,897/mo in rent and distributes $711/mo to the owner after the $1,686/mo payment, a consistent 9.27% yield. DSCR 1.72 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $103,606 in value; $3,454/yr in principal paydown compounds ownership stake. Total projected return: $187,388.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.2% |
| Monthly Cash Flow | $711 | $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 | $2,897 |
| Total Monthly Debt Service | $2,036 |
| DSCR Ratio | 1.42x |
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.
Manufactured
Built in 1997
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81147, Pagosa Springs, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,861 (100%) |
| Owner Occupied HU | 4,578 (46.4%) |
| Renter Occupied HU | 1,436 (14.6%) |
| Vacant Housing Units | 3,847 (39.0%) |
| Median Home Value | $544,963 |
| Average Home Value | $647,985 |
Housing Distribution
Address Breakdown
Residential
5,495
Single Family
5,488
Multi-Family
7
Businesses
690
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
Manufactured
Built in 1997
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81147, Pagosa Springs, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,861 (100%) |
| Owner Occupied HU | 4,578 (46.4%) |
| Renter Occupied HU | 1,436 (14.6%) |
| Vacant Housing Units | 3,847 (39.0%) |
| Median Home Value | $544,963 |
| Average Home Value | $647,985 |
Housing Distribution
Address Breakdown
Residential
5,495
Single Family
5,488
Multi-Family
7
Businesses
690
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: CREN
Mls ID: #832834