152 Puma LaneRidgwayCO81432
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 152 Puma Lane, Ridgway, CO, 81432 in Ridgway: $5,788/mo in rent, $980/mo in net income, 8.42% gross yield, 1.56 DSCR, all at $825,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $227,932 in appreciation and $7,598/yr in principal paydown projects total cumulative return of $374,564.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 8.0% |
| Monthly Cash Flow | $980 | $200 |
City averages based on Ridgway market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,788 |
| Total Monthly Debt Service | $4,480 |
| DSCR Ratio | 1.29x |
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 2023
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81432, Ridgway, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,352 (100%) |
| Owner Occupied HU | 1,231 (52.3%) |
| Renter Occupied HU | 461 (19.6%) |
| Vacant Housing Units | 660 (28.1%) |
| Median Home Value | $816,270 |
| Average Home Value | $943,712 |
Housing Distribution
Address Breakdown
Residential
1,351
Single Family
1,351
Multi-Family
0
Businesses
222
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 2023
0.92 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81432, Ridgway, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,352 (100%) |
| Owner Occupied HU | 1,231 (52.3%) |
| Renter Occupied HU | 461 (19.6%) |
| Vacant Housing Units | 660 (28.1%) |
| Median Home Value | $816,270 |
| Average Home Value | $943,712 |
Housing Distribution
Address Breakdown
Residential
1,351
Single Family
1,351
Multi-Family
0
Businesses
222
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices