21555 State Highway 131PhippsburgCO80469
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 21555 State Highway 131, Phippsburg, CO, 80469 in Phippsburg: $2,782/mo in rent, $456/mo in net income, 8.37% gross yield, 1.55 DSCR, all at $399,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $110,236 in appreciation and $3,675/yr in principal paydown projects total cumulative return of $180,065.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 6.2% |
| Monthly Cash Flow | $456 | $350 |
City averages based on Phippsburg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,782 |
| Total Monthly Debt Service | $2,167 |
| DSCR Ratio | 1.28x |
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 1912
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80469, Phippsburg, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 158 (100%) |
| Owner Occupied HU | 93 (58.9%) |
| Renter Occupied HU | 37 (23.4%) |
| Vacant Housing Units | 28 (17.7%) |
| Median Home Value | $600,694 |
| Average Home Value | $744,677 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
10
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 1912
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80469, Phippsburg, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 158 (100%) |
| Owner Occupied HU | 93 (58.9%) |
| Renter Occupied HU | 37 (23.4%) |
| Vacant Housing Units | 28 (17.7%) |
| Median Home Value | $600,694 |
| Average Home Value | $744,677 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Catie Romick • Steamboat Sotheby's International Realty
Mls Name: Altitude Realtors
Mls Provider:
Mls ID: #S1056634
Disclaimer: Copyright 2025 Altitude Realtors. The information displayed herein was derived from sources believed to be accurate, but has not been verified by Altitude Realtors. Buyers are cautioned to verify all information to their own satisfaction. This information is exclusively for viewers personal, non-commercial use. Any republication or reproduction of the information herein without the express permission of the SAR MLS is strictly prohibited.