20497 County Road 59MoffatCO81143
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.34% yield at 20497 County Road 59, Moffat, CO, 81143 in Moffat is solid, but the $1,461/mo payment compresses net cash flow to $93/mo at $325,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $89,792 by year five, and $2,993/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.36) without U.S. income documentation. Total projected return: $128,754.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 7.0% |
| Monthly Cash Flow | $93 | $500 |
City averages based on Moffat market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,987 |
| Total Monthly Debt Service | $1,765 |
| DSCR Ratio | 1.13x |
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 2016
40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81143, Moffat, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 684 (100%) |
| Owner Occupied HU | 401 (58.6%) |
| Renter Occupied HU | 129 (18.9%) |
| Vacant Housing Units | 154 (22.5%) |
| Median Home Value | $254,808 |
| Average Home Value | $375,037 |
Housing Distribution
Address Breakdown
Residential
383
Single Family
381
Multi-Family
2
Businesses
44
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 2016
40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81143, Moffat, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 684 (100%) |
| Owner Occupied HU | 401 (58.6%) |
| Renter Occupied HU | 129 (18.9%) |
| Vacant Housing Units | 154 (22.5%) |
| Median Home Value | $254,808 |
| Average Home Value | $375,037 |
Housing Distribution
Address Breakdown
Residential
383
Single Family
381
Multi-Family
2
Businesses
44
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices