2324 Lost Saddle LoopSanta RosaNM88435
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 2324 Lost Saddle Loop, Santa Rosa, NM, 88435 in Santa Rosa worth study. Rental yield 3.33%. The 3.33% gross yield is below cash-flow benchmarks at $475,000, but 5% annual appreciation, adding $131,234 over five years, frames this as a capital growth position. Rent of $1,320/mo partially offsets the $2,136/mo payment. Ziffy Mortgage finances appreciation-play properties (0.62 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $84,986.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.3% | 6.2% |
| Monthly Cash Flow | $(1,489) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,320 |
| Total Monthly Debt Service | $2,599 |
| DSCR Ratio | 0.51x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2003
140 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 88435, Santa Rosa, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,621 (100%) |
| Owner Occupied HU | 785 (48.4%) |
| Renter Occupied HU | 463 (28.6%) |
| Vacant Housing Units | 373 (23.0%) |
| Median Home Value | $122,321 |
| Average Home Value | $197,003 |
Housing Distribution
Address Breakdown
Residential
1,148
Single Family
1,148
Multi-Family
0
Businesses
194
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
No similar price properties found nearby.
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 2003
140 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 88435, Santa Rosa, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,621 (100%) |
| Owner Occupied HU | 785 (48.4%) |
| Renter Occupied HU | 463 (28.6%) |
| Vacant Housing Units | 373 (23.0%) |
| Median Home Value | $122,321 |
| Average Home Value | $197,003 |
Housing Distribution
Address Breakdown
Residential
1,148
Single Family
1,148
Multi-Family
0
Businesses
194
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
No similar price properties found nearby.
Listed by: Mark J Villanueva • Realty One of New Mexico
Mls Name: SWMLS
Mls ID: #1097544