211 Pine Ridge RdAlmaCO80420
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 211 Pine Ridge Rd, Alma, CO, 80420 in Alma at $490,000 earns $2,994/mo in rent and nets $138/mo after the $2,203/mo payment, a 7.33% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $135,378 over five years. Ziffy Mortgage underwrites this on a 1.36 DSCR without U.S. credit history. With $4,513/yr in principal paydown, total projected return reaches $193,975.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $138 | $1,500 |
City averages based on Alma market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,994 |
| Total Monthly Debt Service | $2,661 |
| 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 1973
1.16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80420, Alma, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 681 (100%) |
| Owner Occupied HU | 261 (38.3%) |
| Renter Occupied HU | 101 (14.8%) |
| Vacant Housing Units | 319 (46.8%) |
| Median Home Value | $485,938 |
| Average Home Value | $538,774 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
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
Single Family
Built in 1973
1.16 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80420, Alma, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 681 (100%) |
| Owner Occupied HU | 261 (38.3%) |
| Renter Occupied HU | 101 (14.8%) |
| Vacant Housing Units | 319 (46.8%) |
| Median Home Value | $485,938 |
| Average Home Value | $538,774 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices