2885 State Highway 14 NCerrillosNM87010
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 2885 State Highway 14 N, Cerrillos, NM, 87010 in Cerrillos. Priced at $541,800, it generates $4,775/mo in gross rent and $1,595/mo in net monthly cash flow, a 10.58% yield that comfortably supports the 1.96 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $19,137. Five-year appreciation: $149,689. Equity from principal paydown: $4,990/yr. Total projected cumulative return: $307,333.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 6.2% |
| Monthly Cash Flow | $1,595 | $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 | $4,775 |
| Total Monthly Debt Service | $2,965 |
| DSCR Ratio | 1.61x |
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.
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87010, Cerrillos, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 809 (100%) |
| Owner Occupied HU | 526 (65.0%) |
| Renter Occupied HU | 154 (19.0%) |
| Vacant Housing Units | 129 (15.9%) |
| Median Home Value | $477,193 |
| Average Home Value | $552,776 |
Housing Distribution
Address Breakdown
Residential
334
Single Family
334
Multi-Family
0
Businesses
66
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
Home Type Unknown
Built in N/A
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87010, Cerrillos, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 809 (100%) |
| Owner Occupied HU | 526 (65.0%) |
| Renter Occupied HU | 154 (19.0%) |
| Vacant Housing Units | 129 (15.9%) |
| Median Home Value | $477,193 |
| Average Home Value | $552,776 |
Housing Distribution
Address Breakdown
Residential
334
Single Family
334
Multi-Family
0
Businesses
66
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A