220 E 5th StFlorenceCO81226
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 220 E 5th St, Florence, CO, 81226 in Florence earns a 8.27% gross yield at $312,900. Rent of $2,156/mo nets $333/mo after the $1,407/mo mortgage. The 1.53 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $86,449 and $2,882/yr in equity accumulation project a total cumulative return of $139,540.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 6.0% |
| Monthly Cash Flow | $333 | $250 |
City averages based on Florence market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,156 |
| Total Monthly Debt Service | $1,699 |
| DSCR Ratio | 1.27x |
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 1900
5,318 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81226, Florence, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,880 (100%) |
| Owner Occupied HU | 1,984 (68.9%) |
| Renter Occupied HU | 669 (23.2%) |
| Vacant Housing Units | 227 ( 7.9%) |
| Median Home Value | $253,135 |
| Average Home Value | $306,033 |
Housing Distribution
Address Breakdown
Residential
2,570
Single Family
2,562
Multi-Family
8
Businesses
247
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 1900
5,318 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81226, Florence, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,880 (100%) |
| Owner Occupied HU | 1,984 (68.9%) |
| Renter Occupied HU | 669 (23.2%) |
| Vacant Housing Units | 227 ( 7.9%) |
| Median Home Value | $253,135 |
| Average Home Value | $306,033 |
Housing Distribution
Address Breakdown
Residential
2,570
Single Family
2,562
Multi-Family
8
Businesses
247
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices