172 E 4th StPalisadeCO81526
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 172 E 4th St, Palisade, CO, 81526 in Palisade fits: $469,900, 5.65% gross yield, and a projected 5% annual appreciation rate adding $129,825 in value within five years. Rental yield 5.65%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.05) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,328/yr in principal paydown and $129,825 in appreciation project a total return of $143,575.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 7.0% |
| Monthly Cash Flow | $(527) | $1,200 |
City averages based on Palisade market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,212 |
| Total Monthly Debt Service | $2,552 |
| DSCR Ratio | 0.87x |
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 1904
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81526, Palisade, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,570 (100%) |
| Owner Occupied HU | 1,795 (69.8%) |
| Renter Occupied HU | 635 (24.7%) |
| Vacant Housing Units | 140 ( 5.4%) |
| Median Home Value | $489,538 |
| Average Home Value | $536,948 |
Housing Distribution
Address Breakdown
Residential
2,080
Single Family
2,062
Multi-Family
18
Businesses
166
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 1904
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81526, Palisade, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,570 (100%) |
| Owner Occupied HU | 1,795 (69.8%) |
| Renter Occupied HU | 635 (24.7%) |
| Vacant Housing Units | 140 ( 5.4%) |
| Median Home Value | $489,538 |
| Average Home Value | $536,948 |
Housing Distribution
Address Breakdown
Residential
2,080
Single Family
2,062
Multi-Family
18
Businesses
166
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Wendy Harrison • Fathom Realty Colorado LLC
Mls Name: AGSMLS
Mls ID: #187818
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.