2585 County Road 12AlmaCO80420
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play2585 County Road 12, Alma, CO, 80420 in Alma is priced for appreciation, not yield. Rental yield 3.82%. At $599,000 with a 3.82% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $165,493 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.71) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $124,228.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 6.2% |
| Monthly Cash Flow | $(1,585) | $1,500 |
City averages based on Alma market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,906 |
| Total Monthly Debt Service | $3,253 |
| DSCR Ratio | 0.59x |
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 1965
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80420, Alma, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 681 (100%) |
| Owner Occupied HU | 261 (38.3%) |
| Renter Occupied HU | 101 (14.8%) |
| Vacant Housing Units | 319 (46.8%) |
| Median Home Value | $485,938 |
| Average Home Value | $538,774 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
25
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 1965
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80420, Alma, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 681 (100%) |
| Owner Occupied HU | 261 (38.3%) |
| Renter Occupied HU | 101 (14.8%) |
| Vacant Housing Units | 319 (46.8%) |
| Median Home Value | $485,938 |
| Average Home Value | $538,774 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
25
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Keta Braggins • Breckenridge Real Estate Group
Mls Name: Altitude Realtors
Mls Provider:
Mls ID: #S1056953
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.