2570 Phantom Terrace DriveWestcliffeCO81252
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 2570 Phantom Terrace Drive, Westcliffe, CO, 81252 in Westcliffe fits: $550,000, 4.7% gross yield, and a projected 5% annual appreciation rate adding $151,955 in value within five years. Rental yield 4.7%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.87) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,066/yr in principal paydown and $151,955 in appreciation project a total return of $139,698.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 6.5% |
| Monthly Cash Flow | $(1,057) | $400 |
City averages based on Westcliffe market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,156 |
| Total Monthly Debt Service | $2,994 |
| DSCR Ratio | 0.72x |
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 2022
36.23 Acres lot
$N/A/sqft
$8 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81252, Westcliffe, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,144 (100%) |
| Owner Occupied HU | 1,843 (44.5%) |
| Renter Occupied HU | 422 (10.2%) |
| Vacant Housing Units | 1,879 (45.3%) |
| Median Home Value | $463,447 |
| Average Home Value | $598,626 |
Housing Distribution
Address Breakdown
Residential
2,260
Single Family
2,232
Multi-Family
28
Businesses
281
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 2022
36.23 Acres lot
$N/A/sqft
$8 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81252, Westcliffe, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,144 (100%) |
| Owner Occupied HU | 1,843 (44.5%) |
| Renter Occupied HU | 422 (10.2%) |
| Vacant Housing Units | 1,879 (45.3%) |
| Median Home Value | $463,447 |
| Average Home Value | $598,626 |
Housing Distribution
Address Breakdown
Residential
2,260
Single Family
2,232
Multi-Family
28
Businesses
281
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kimberlee Salimeno • Keller Williams Clients Choice Realty
Mls Name: REcolorado
Mls Provider:
Mls ID: #9317760
Disclaimer: 2025 REcolorado All rights reserved. Certain information contained herein is derived from information which is the licensed property of, and copyrighted by, REcolorado. [Click here for more information](/info/mls-disclaimers/#17059)