3005 N County Road 29LovelandCO80538
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 3005 N County Road 29, Loveland, CO, 80538 in Loveland the bet is firmly on appreciation. Rental yield 2.12%. The 2.12% gross yield on a $1,890,000 price is below income-first thresholds, but 5%/yr value growth projects $522,172 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.39) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $219,467.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.1% | 4.2% |
| Monthly Cash Flow | $(7,680) | $1,850 |
City averages based on Loveland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,335 |
| Total Monthly Debt Service | $10,263 |
| DSCR Ratio | 0.32x |
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 1930
2.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80538, Loveland, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,793 (100%) |
| Owner Occupied HU | 15,835 (63.9%) |
| Renter Occupied HU | 7,703 (31.1%) |
| Vacant Housing Units | 1,255 ( 5.1%) |
| Median Home Value | $595,402 |
| Average Home Value | $667,924 |
Housing Distribution
Address Breakdown
Residential
23,157
Single Family
20,602
Multi-Family
2,555
Businesses
1,282
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 1930
2.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80538, Loveland, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,793 (100%) |
| Owner Occupied HU | 15,835 (63.9%) |
| Renter Occupied HU | 7,703 (31.1%) |
| Vacant Housing Units | 1,255 ( 5.1%) |
| Median Home Value | $595,402 |
| Average Home Value | $667,924 |
Housing Distribution
Address Breakdown
Residential
23,157
Single Family
20,602
Multi-Family
2,555
Businesses
1,282
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices