226 Lydia StSunland ParkNM88063
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Sunland Park rental at 226 Lydia St, Sunland Park, NM, 88063 sits in the solid-income band: 8.48% gross yield, $2,332/mo rent, $395/mo net after the $1,484/mo debt service, DSCR 1.57. Entry price of $329,950 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 $91,159 and $3,039/yr in principal reduction bring total cumulative return to $150,119.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 8.2% |
| Monthly Cash Flow | $395 | $450 |
City averages based on Sunland Park market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,332 |
| Total Monthly Debt Service | $1,805 |
| DSCR Ratio | 1.29x |
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 2024
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 88063, Sunland Park, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,917 (100%) |
| Owner Occupied HU | 2,557 (65.3%) |
| Renter Occupied HU | 1,085 (27.7%) |
| Vacant Housing Units | 275 ( 7.0%) |
| Median Home Value | $158,555 |
| Average Home Value | $189,438 |
Housing Distribution
Address Breakdown
Residential
3,486
Single Family
3,463
Multi-Family
23
Businesses
248
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 2024
5,227 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 88063, Sunland Park, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,917 (100%) |
| Owner Occupied HU | 2,557 (65.3%) |
| Renter Occupied HU | 1,085 (27.7%) |
| Vacant Housing Units | 275 ( 7.0%) |
| Median Home Value | $158,555 |
| Average Home Value | $189,438 |
Housing Distribution
Address Breakdown
Residential
3,486
Single Family
3,463
Multi-Family
23
Businesses
248
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Tarryn Ortega • Summus Realty
Mls Name: SNMMLS
Mls ID: #2401415
Disclaimer: The information provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Listing information is deemed reliable, but not guaranteed.