19 Bishop Lamy RdLamyNM87540
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder19 Bishop Lamy Rd, Lamy, NM, 87540 in Lamy earns a respectable 7.12% gross yield at $799,000, but after the $3,593/mo mortgage the net cash flow is $1/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.32) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $220,749 over five years, making equity the dominant return driver. Total projected return: $305,067.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 6.2% |
| Monthly Cash Flow | $1 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $4,740 |
| Total Monthly Debt Service | $4,372 |
| DSCR Ratio | 1.08x |
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 1995
5.86 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87540, Lamy, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 623 (100%) |
| Owner Occupied HU | 474 (76.1%) |
| Renter Occupied HU | 76 (12.2%) |
| Vacant Housing Units | 73 (11.7%) |
| Median Home Value | $664,402 |
| Average Home Value | $712,257 |
Housing Distribution
Address Breakdown
Residential
580
Single Family
580
Multi-Family
0
Businesses
26
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 1995
5.86 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87540, Lamy, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 623 (100%) |
| Owner Occupied HU | 474 (76.1%) |
| Renter Occupied HU | 76 (12.2%) |
| Vacant Housing Units | 73 (11.7%) |
| Median Home Value | $664,402 |
| Average Home Value | $712,257 |
Housing Distribution
Address Breakdown
Residential
580
Single Family
580
Multi-Family
0
Businesses
26
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Leslie Elliott • Barker Realty, LLC
Mls Name: SFARMLS
Mls ID: #202503401