2807 Plains StLaramieWY82072
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 2807 Plains St, Laramie, WY, 82072 in Laramie fits: $675,000, 5.52% gross yield, and a projected 5% annual appreciation rate adding $186,490 in value within five years. Rental yield 5.52%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.02) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $6,217/yr in principal paydown and $186,490 in appreciation project a total return of $207,252.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 6.8% |
| Monthly Cash Flow | $(734) | $1,250 |
City averages based on Laramie market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,104 |
| Total Monthly Debt Service | $3,570 |
| DSCR Ratio | 0.87x |
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 2015
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 82072, Laramie, WY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,158 (100%) |
| Owner Occupied HU | 2,951 (36.2%) |
| Renter Occupied HU | 4,386 (53.8%) |
| Vacant Housing Units | 821 (10.1%) |
| Median Home Value | $370,016 |
| Average Home Value | $379,794 |
Housing Distribution
Address Breakdown
Residential
7,488
Single Family
6,939
Multi-Family
549
Businesses
288
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 2015
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 82072, Laramie, WY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,158 (100%) |
| Owner Occupied HU | 2,951 (36.2%) |
| Renter Occupied HU | 4,386 (53.8%) |
| Vacant Housing Units | 821 (10.1%) |
| Median Home Value | $370,016 |
| Average Home Value | $379,794 |
Housing Distribution
Address Breakdown
Residential
7,488
Single Family
6,939
Multi-Family
549
Businesses
288
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices