1645 Little Bear Creek RoadIdaho SpringsCO80452
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 1645 Little Bear Creek Road, Idaho Springs, CO, 80452 in Idaho Springs. Priced at $205,000, it generates $2,766/mo in gross rent and $1,546/mo in net monthly cash flow, a 16.19% yield that comfortably supports the 3.00 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $18,546. Five-year appreciation: $56,638. Equity from principal paydown: $1,888/yr. Total projected cumulative return: $176,973.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 16.2% | 5.5% |
| Monthly Cash Flow | $1,546 | $400 |
City averages based on Idaho Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,766 |
| Total Monthly Debt Service | $1,139 |
| DSCR Ratio | 2.43x |
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 1959
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80452, Idaho Springs, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,112 (100%) |
| Owner Occupied HU | 1,082 (51.2%) |
| Renter Occupied HU | 518 (24.5%) |
| Vacant Housing Units | 512 (24.2%) |
| Median Home Value | $518,997 |
| Average Home Value | $654,965 |
Housing Distribution
Address Breakdown
Residential
690
Single Family
690
Multi-Family
0
Businesses
203
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 1959
0.55 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80452, Idaho Springs, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,112 (100%) |
| Owner Occupied HU | 1,082 (51.2%) |
| Renter Occupied HU | 518 (24.5%) |
| Vacant Housing Units | 512 (24.2%) |
| Median Home Value | $518,997 |
| Average Home Value | $654,965 |
Housing Distribution
Address Breakdown
Residential
690
Single Family
690
Multi-Family
0
Businesses
203
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Sean Murphy • eXp Realty, LLC
Mls Name: REcolorado
Mls Provider:
Mls ID: #6623688
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)