26101 & 246 Highway 141WhitewaterCO81527
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play26101 & 246 Highway 141, Whitewater, CO, 81527 in Whitewater is priced for appreciation, not yield. Rental yield 1.31%. At $1,829,000 with a 1.31% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $505,319 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.24) 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: $133,628.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.3% | 6.0% |
| Monthly Cash Flow | $(8,656) | $300 |
City averages based on Whitewater market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,003 |
| Total Monthly Debt Service | $9,931 |
| DSCR Ratio | 0.20x |
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 1998
140 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81527, Whitewater, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 909 (100%) |
| Owner Occupied HU | 739 (81.3%) |
| Renter Occupied HU | 99 (10.9%) |
| Vacant Housing Units | 71 ( 7.8%) |
| Median Home Value | $559,987 |
| Average Home Value | $559,878 |
Housing Distribution
Address Breakdown
Residential
812
Single Family
812
Multi-Family
0
Businesses
30
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 1998
140 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81527, Whitewater, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 909 (100%) |
| Owner Occupied HU | 739 (81.3%) |
| Renter Occupied HU | 99 (10.9%) |
| Vacant Housing Units | 71 ( 7.8%) |
| Median Home Value | $559,987 |
| Average Home Value | $559,878 |
Housing Distribution
Address Breakdown
Residential
812
Single Family
812
Multi-Family
0
Businesses
30
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • UNITED COUNTRY REAL COLORADO PROPERTIES
Mls Name: GJARA
Mls ID: #20243650
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.