20854 Highway 96WetmoreCO81253
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Wetmore rental at 20854 Highway 96, Wetmore, CO, 81253 sits in the solid-income band: 8.75% gross yield, $3,282/mo rent, $659/mo net after the $2,023/mo debt service, DSCR 1.62. Entry price of $450,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $124,327 and $4,145/yr in principal reduction bring total cumulative return to $212,388.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 5.0% |
| Monthly Cash Flow | $659 | $300 |
City averages based on Wetmore market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,282 |
| Total Monthly Debt Service | $2,443 |
| DSCR Ratio | 1.34x |
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 2004
1.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81253, Wetmore, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 330 (100%) |
| Owner Occupied HU | 196 (59.4%) |
| Renter Occupied HU | 31 ( 9.4%) |
| Vacant Housing Units | 103 (31.2%) |
| Median Home Value | $717,742 |
| Average Home Value | $1,044,860 |
Housing Distribution
Address Breakdown
Residential
109
Single Family
86
Multi-Family
23
Businesses
13
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 2004
1.09 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81253, Wetmore, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 330 (100%) |
| Owner Occupied HU | 196 (59.4%) |
| Renter Occupied HU | 31 ( 9.4%) |
| Vacant Housing Units | 103 (31.2%) |
| Median Home Value | $717,742 |
| Average Home Value | $1,044,860 |
Housing Distribution
Address Breakdown
Residential
109
Single Family
86
Multi-Family
23
Businesses
13
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices