16321 Clayton StreetThorntonCO80602
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play16321 Clayton Street, Thornton, CO, 80602 in Thornton is priced for appreciation, not yield. Rental yield 5.69%. At $775,000 with a 5.69% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $214,118 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.05) 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: $220,266.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 5.8% |
| Monthly Cash Flow | $(1,145) | $285 |
City averages based on Thornton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,676 |
| Total Monthly Debt Service | $4,513 |
| DSCR Ratio | 0.81x |
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 2019
8,349 sqft lot
$N/A/sqft
$60 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80602, Brighton, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,184 (100%) |
| Owner Occupied HU | 14,475 (89.4%) |
| Renter Occupied HU | 1,263 ( 7.8%) |
| Vacant Housing Units | 446 ( 2.8%) |
| Median Home Value | $653,268 |
| Average Home Value | $682,757 |
Housing Distribution
Address Breakdown
Residential
15,908
Single Family
15,171
Multi-Family
737
Businesses
112
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 2019
8,349 sqft lot
$N/A/sqft
$60 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80602, Brighton, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,184 (100%) |
| Owner Occupied HU | 14,475 (89.4%) |
| Renter Occupied HU | 1,263 ( 7.8%) |
| Vacant Housing Units | 446 ( 2.8%) |
| Median Home Value | $653,268 |
| Average Home Value | $682,757 |
Housing Distribution
Address Breakdown
Residential
15,908
Single Family
15,171
Multi-Family
737
Businesses
112
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Regina Connors • Real Broker, LLC DBA Real
Mls Name: REcolorado
Mls Provider:
Mls ID: #9055481
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