302 Scaup LaneJohnstownCO80534
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 302 Scaup Lane, Johnstown, CO, 80534 in Johnstown at $384,950 earns $2,400/mo in rent and nets $37/mo after the $1,731/mo payment, a 7.48% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $106,355 over five years. Ziffy Mortgage underwrites this on a 1.39 DSCR without U.S. credit history. With $3,545/yr in principal paydown, total projected return reaches $148,248.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 5.2% |
| Monthly Cash Flow | $37 | $420 |
City averages based on Johnstown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,400 |
| Total Monthly Debt Service | $2,210 |
| DSCR Ratio | 1.09x |
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 2025
1,950 sqft lot
$N/A/sqft
$120 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80534, Johnstown, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,917 (100%) |
| Owner Occupied HU | 6,809 (76.4%) |
| Renter Occupied HU | 1,754 (19.7%) |
| Vacant Housing Units | 354 ( 4.0%) |
| Median Home Value | $594,430 |
| Average Home Value | $640,457 |
Housing Distribution
Address Breakdown
Residential
7,956
Single Family
6,968
Multi-Family
988
Businesses
444
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 2025
1,950 sqft lot
$N/A/sqft
$120 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80534, Johnstown, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,917 (100%) |
| Owner Occupied HU | 6,809 (76.4%) |
| Renter Occupied HU | 1,754 (19.7%) |
| Vacant Housing Units | 354 ( 4.0%) |
| Median Home Value | $594,430 |
| Average Home Value | $640,457 |
Housing Distribution
Address Breakdown
Residential
7,956
Single Family
6,968
Multi-Family
988
Businesses
444
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Erica Chouinard • RE/MAX Professionals
Mls Name: REcolorado
Mls Provider:
Mls ID: #6273767
Disclaimer: 2025 REcolorado All rights reserved. Certain information contained herein is derived from information which is the licensed property of, and copyrighted by, REcolorado. [Click here for more information](/info/mls-disclaimers/#17059)