272 Francis AveRatonNM87740
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 272 Francis Ave, Raton, NM, 87740 in Raton at $249,000 earns $1,640/mo in rent and nets $179/mo after the $1,120/mo payment, a 7.91% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $68,794 over five years. Ziffy Mortgage underwrites this on a 1.46 DSCR without U.S. credit history. With $2,293/yr in principal paydown, total projected return reaches $105,573.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $179 | $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 | $1,640 |
| Total Monthly Debt Service | $1,362 |
| DSCR Ratio | 1.20x |
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 1908
0.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87740, Raton, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,890 (100%) |
| Owner Occupied HU | 2,235 (57.5%) |
| Renter Occupied HU | 931 (23.9%) |
| Vacant Housing Units | 724 (18.6%) |
| Median Home Value | $157,876 |
| Average Home Value | $210,994 |
Housing Distribution
Address Breakdown
Residential
3,110
Single Family
3,101
Multi-Family
9
Businesses
363
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 1908
0.84 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87740, Raton, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,890 (100%) |
| Owner Occupied HU | 2,235 (57.5%) |
| Renter Occupied HU | 931 (23.9%) |
| Vacant Housing Units | 724 (18.6%) |
| Median Home Value | $157,876 |
| Average Home Value | $210,994 |
Housing Distribution
Address Breakdown
Residential
3,110
Single Family
3,101
Multi-Family
9
Businesses
363
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Wendy Mileta • Realty One Of New Mexico - Raton
Mls Name: New Mexico MLS
Mls ID: #20256327