3063 Monte Vista RdTorringtonWY82240
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 3063 Monte Vista Rd, Torrington, WY, 82240 in Torrington worth modelling. At $315,000 with a 7.26% gross yield, the $1,640/mo rent leaves $114/mo after the $1,416/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.16 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $87,029 by year five; $2,901/yr in principal reduction adds further equity. Total projected return: $109,066.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 5.1% |
| Monthly Cash Flow | $114 | $420 |
City averages based on Torrington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,640 |
| Total Monthly Debt Service | $1,666 |
| DSCR Ratio | 0.98x |
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 1959
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 82240, Torrington, WY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,514 (100%) |
| Owner Occupied HU | 2,786 (61.7%) |
| Renter Occupied HU | 1,147 (25.4%) |
| Vacant Housing Units | 581 (12.9%) |
| Median Home Value | $258,065 |
| Average Home Value | $291,246 |
Housing Distribution
Address Breakdown
Residential
4,072
Single Family
3,936
Multi-Family
136
Businesses
517
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 1959
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 82240, Torrington, WY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,514 (100%) |
| Owner Occupied HU | 2,786 (61.7%) |
| Renter Occupied HU | 1,147 (25.4%) |
| Vacant Housing Units | 581 (12.9%) |
| Median Home Value | $258,065 |
| Average Home Value | $291,246 |
Housing Distribution
Address Breakdown
Residential
4,072
Single Family
3,936
Multi-Family
136
Businesses
517
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jackie Van Mark • Century 21 Valley Realty Co.
Mls Name: WYOMLS
Mls Provider:
Mls ID: #20251633
Disclaimer: Information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. The data relating to real estate on this web site comes in part from the Wyoming MLS Internet Data Exchange Program. Real estate listings held by brokerage firms other than the listing office named are marked with the Wyoming MLS IDX logo and detailed information about them includes the name of the listing broker. The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.