161 James CirEl JebelCO81623
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 161 James Cir, El Jebel, CO, 81623 in El Jebel at $465,995 earns $2,808/mo in rent and nets $92/mo after the $2,095/mo payment, a 7.23% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $128,746 over five years. Ziffy Mortgage underwrites this on a 1.34 DSCR without U.S. credit history. With $4,292/yr in principal paydown, total projected return reaches $181,965.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.0% |
| Monthly Cash Flow | $92 | $1,200 |
City averages based on El Jebel market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,808 |
| Total Monthly Debt Service | $2,530 |
| DSCR Ratio | 1.11x |
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 1994
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81623, Carbondale, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,122 (100%) |
| Owner Occupied HU | 4,159 (58.4%) |
| Renter Occupied HU | 2,079 (29.2%) |
| Vacant Housing Units | 884 (12.4%) |
| Median Home Value | $942,676 |
| Average Home Value | $1,129,471 |
Housing Distribution
Address Breakdown
Residential
6,364
Single Family
5,688
Multi-Family
676
Businesses
784
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 1994
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81623, Carbondale, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,122 (100%) |
| Owner Occupied HU | 4,159 (58.4%) |
| Renter Occupied HU | 2,079 (29.2%) |
| Vacant Housing Units | 884 (12.4%) |
| Median Home Value | $942,676 |
| Average Home Value | $1,129,471 |
Housing Distribution
Address Breakdown
Residential
6,364
Single Family
5,688
Multi-Family
676
Businesses
784
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices