197 Sunrise RdSanta FeNM87507
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 197 Sunrise Rd, Santa Fe, NM, 87507 in Santa Fe is narrow, $15/mo net on $3,120/mo rent after the $2,379/mo debt service, but the property operates at break-even-plus, not a loss. At $529,000 with a 7.08% yield, the long-run equity case via 5% appreciation ($146,153 over five years) and $4,872/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.31 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $200,830.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 4.2% |
| Monthly Cash Flow | $15 | $2,100 |
City averages based on Santa Fe market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,120 |
| Total Monthly Debt Service | $2,894 |
| 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 1993
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87507, Santa Fe, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,535 (100%) |
| Owner Occupied HU | 14,164 (60.2%) |
| Renter Occupied HU | 7,662 (32.6%) |
| Vacant Housing Units | 1,709 ( 7.3%) |
| Median Home Value | $401,100 |
| Average Home Value | $484,457 |
Housing Distribution
Address Breakdown
Residential
21,026
Single Family
17,810
Multi-Family
3,216
Businesses
1,556
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 1993
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87507, Santa Fe, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,535 (100%) |
| Owner Occupied HU | 14,164 (60.2%) |
| Renter Occupied HU | 7,662 (32.6%) |
| Vacant Housing Units | 1,709 ( 7.3%) |
| Median Home Value | $401,100 |
| Average Home Value | $484,457 |
Housing Distribution
Address Breakdown
Residential
21,026
Single Family
17,810
Multi-Family
3,216
Businesses
1,556
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bernadette Parnell • Keller Williams Realty
Mls Name: SFARMLS
Mls ID: #202600537