1630 Spruce StPuebloCO81004
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingRental yield 6.2%. No single metric is exceptional, but the combination offers a durable, low-volatility return profile suitable for risk-conscious global investors. Ziffy Mortgage's mortgage qualifies on DSCR alone, no U.S. credit history required. Five-year appreciation adds $57,992, and $1,933/yr in principal equity projects total return of $70,402.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.2% | 12.0% |
| Monthly Cash Flow | $(138) | $2,100 |
City averages based on Pueblo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,085 |
| Total Monthly Debt Service | $1,140 |
| DSCR Ratio | 0.95x |
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.
Multi Family
Built in 1902
6,141 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81004, Pueblo, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,368 (100%) |
| Owner Occupied HU | 6,011 (48.6%) |
| Renter Occupied HU | 5,493 (44.4%) |
| Vacant Housing Units | 864 ( 7.0%) |
| Median Home Value | $227,565 |
| Average Home Value | $298,676 |
Housing Distribution
Address Breakdown
Residential
11,182
Single Family
10,654
Multi-Family
528
Businesses
697
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
Multi Family
Built in 1902
6,141 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81004, Pueblo, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,368 (100%) |
| Owner Occupied HU | 6,011 (48.6%) |
| Renter Occupied HU | 5,493 (44.4%) |
| Vacant Housing Units | 864 ( 7.0%) |
| Median Home Value | $227,565 |
| Average Home Value | $298,676 |
Housing Distribution
Address Breakdown
Residential
11,182
Single Family
10,654
Multi-Family
528
Businesses
697
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Elite Home Sales • Elite Home Sales & Property Management
Mls Name: PAR
Mls Provider:
Mls ID: #230963
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.