158 State Road 110El RitoNM87530
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing158 State Road 110, El Rito, NM, 87530 in El Rito is a stable, well-positioned rental at $495,000. Rental yield 6.7%. DSCR 1.24 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $136,759 in value and $4,559/yr in principal paydown builds equity, a total projected return of $178,001.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.7% | 6.2% |
| Monthly Cash Flow | $(141) | $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 | $2,765 |
| Total Monthly Debt Service | $2,708 |
| DSCR Ratio | 1.02x |
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 1880
1.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87530, El Rito, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 426 (100%) |
| Owner Occupied HU | 314 (73.7%) |
| Renter Occupied HU | 50 (11.7%) |
| Vacant Housing Units | 62 (14.6%) |
| Median Home Value | $288,953 |
| Average Home Value | $303,065 |
Housing Distribution
Address Breakdown
Residential
16
Single Family
16
Multi-Family
0
Businesses
14
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 1880
1.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87530, El Rito, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 426 (100%) |
| Owner Occupied HU | 314 (73.7%) |
| Renter Occupied HU | 50 (11.7%) |
| Vacant Housing Units | 62 (14.6%) |
| Median Home Value | $288,953 |
| Average Home Value | $303,065 |
Housing Distribution
Address Breakdown
Residential
16
Single Family
16
Multi-Family
0
Businesses
14
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lynn Cravens • Lynn Cravens Realty
Mls Name: SFARMLS
Mls ID: #202600351