20180 Us Highway 50CotopaxiCO81233
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 20180 Us Highway 50, Cotopaxi, CO, 81233 in Cotopaxi. Rental yield 1.69%. At $1,195,000 with 1.69% gross yield, current distributions are modest, but the 5% appreciation rate projects $330,156 in new equity by year five, complemented by $11,006/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.31) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $111,247.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.7% | 6.0% |
| Monthly Cash Flow | $(5,284) | $300 |
City averages based on Cotopaxi market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,680 |
| Total Monthly Debt Service | $6,489 |
| DSCR Ratio | 0.26x |
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.
Multi Family
Built in 1923
8.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81233, Howard, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 923 (100%) |
| Owner Occupied HU | 565 (61.2%) |
| Renter Occupied HU | 95 (10.3%) |
| Vacant Housing Units | 263 (28.5%) |
| Median Home Value | $413,182 |
| Average Home Value | $449,973 |
Housing Distribution
Address Breakdown
Residential
376
Single Family
376
Multi-Family
0
Businesses
25
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
Multi Family
Built in 1923
8.15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81233, Howard, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 923 (100%) |
| Owner Occupied HU | 565 (61.2%) |
| Renter Occupied HU | 95 (10.3%) |
| Vacant Housing Units | 263 (28.5%) |
| Median Home Value | $413,182 |
| Average Home Value | $449,973 |
Housing Distribution
Address Breakdown
Residential
376
Single Family
376
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices