3089 Gladstone AvenueLovelandCO80538
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 3089 Gladstone Avenue, Loveland, CO, 80538 in Loveland earns a 8.89% gross yield at $404,900. Rent of $3,000/mo nets $456/mo after the $1,919/mo mortgage. The 1.56 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $111,866 and $3,394/yr in equity accumulation project a total cumulative return of $186,564.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 4.2% |
| Monthly Cash Flow | $456 | $1,850 |
City averages based on Loveland market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $3,000 |
| Total Monthly Debt Service | $2,297 |
| DSCR Ratio | 1.31x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2025
1,900 sqft 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
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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
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Nearby investment properties with comparable prices
