1557 Highway 170La PlataNM87418
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis La Plata rental at 1557 Highway 170, La Plata, NM, 87418 sits in the solid-income band: 8.27% gross yield, $1,722/mo rent, $255/mo net after the $1,124/mo debt service, DSCR 1.53. Entry price of $250,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $69,070 and $2,303/yr in principal reduction bring total cumulative return to $110,881.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 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 | $1,722 |
| Total Monthly Debt Service | $1,368 |
| DSCR Ratio | 1.26x |
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 2005
2.18 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87418, La Plata, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 357 (100%) |
| Owner Occupied HU | 284 (79.6%) |
| Renter Occupied HU | 52 (14.6%) |
| Vacant Housing Units | 21 ( 5.9%) |
| Median Home Value | $259,722 |
| Average Home Value | $278,134 |
Housing Distribution
Address Breakdown
Residential
254
Single Family
254
Multi-Family
0
Businesses
20
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 2005
2.18 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87418, La Plata, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 357 (100%) |
| Owner Occupied HU | 284 (79.6%) |
| Renter Occupied HU | 52 (14.6%) |
| Vacant Housing Units | 21 ( 5.9%) |
| Median Home Value | $259,722 |
| Average Home Value | $278,134 |
Housing Distribution
Address Breakdown
Residential
254
Single Family
254
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Eric Beach • Beach Realty
Mls Name: SJCMLS
Mls ID: #25-1425