2861 B 1/2 RdGrand JunctionCO81503
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 2861 B 1/2 Rd, Grand Junction, CO, 81503 in Grand Junction is narrow, $164/mo net on $1,813/mo rent after the $1,270/mo debt service, but the property operates at break-even-plus, not a loss. At $282,500 with a 7.7% yield, the long-run equity case via 5% appreciation ($78,050 over five years) and $2,602/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.43 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $117,258.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.2% |
| Monthly Cash Flow | $164 | $450 |
City averages based on Grand Junction market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,813 |
| Total Monthly Debt Service | $1,537 |
| DSCR Ratio | 1.18x |
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 1950
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81503, Grand Junction, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,177 (100%) |
| Owner Occupied HU | 5,094 (71.0%) |
| Renter Occupied HU | 1,722 (24.0%) |
| Vacant Housing Units | 361 ( 5.0%) |
| Median Home Value | $382,084 |
| Average Home Value | $431,925 |
Housing Distribution
Address Breakdown
Residential
6,829
Single Family
6,573
Multi-Family
256
Businesses
188
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 1950
6,534 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81503, Grand Junction, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,177 (100%) |
| Owner Occupied HU | 5,094 (71.0%) |
| Renter Occupied HU | 1,722 (24.0%) |
| Vacant Housing Units | 361 ( 5.0%) |
| Median Home Value | $382,084 |
| Average Home Value | $431,925 |
Housing Distribution
Address Breakdown
Residential
6,829
Single Family
6,573
Multi-Family
256
Businesses
188
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices