16193 US Highway 50HowardCO81233
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play16193 US Highway 50, Howard, CO, 81233 in Howard is priced for appreciation, not yield. Rental yield 4.95%. At $469,000 with a 4.95% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $129,576 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.92) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $125,699.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5% | 6.0% |
| Monthly Cash Flow | $(799) | $400 |
City averages based on Howard market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,934 |
| Total Monthly Debt Service | $2,547 |
| DSCR Ratio | 0.76x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 1950
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81233, Howard, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 923 (100%) |
| Owner Occupied HU | 565 (61.2%) |
| Renter Occupied HU | 95 (10.3%) |
| Vacant Housing Units | 263 (28.5%) |
| Median Home Value | $413,182 |
| Average Home Value | $449,973 |
Housing Distribution
Address Breakdown
Residential
376
Single Family
376
Multi-Family
0
Businesses
25
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 1950
0.40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81233, Howard, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 923 (100%) |
| Owner Occupied HU | 565 (61.2%) |
| Renter Occupied HU | 95 (10.3%) |
| Vacant Housing Units | 263 (28.5%) |
| Median Home Value | $413,182 |
| Average Home Value | $449,973 |
Housing Distribution
Address Breakdown
Residential
376
Single Family
376
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Justin Tanner • First Colorado Land Office, Inc.
Mls Name: REcolorado
Mls Provider:
Mls ID: #9931726
Disclaimer: 2025 REcolorado All rights reserved. Certain information contained herein is derived from information which is the licensed property of, and copyrighted by, REcolorado. [Click here for more information](/mls-disclaimers/#17059)