31 Sagar DrGallupNM87326
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 31 Sagar Dr, Gallup, NM, 87326 in Gallup. Priced at $165,000, it generates $1,704/mo in gross rent and $736/mo in net monthly cash flow, a 12.39% yield that comfortably supports the 2.18 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,826. Five-year appreciation: $45,586. Equity from principal paydown: $1,383/yr. Total projected cumulative return: $106,617.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 12.4% | 6.2% |
| Monthly Cash Flow | $736 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $1,704 |
| Total Monthly Debt Service | $943 |
| DSCR Ratio | 1.81x |
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.
Multi Family
Built in 1994
7.39 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87326, Vanderwagen, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 783 (100%) |
| Owner Occupied HU | 607 (77.5%) |
| Renter Occupied HU | 100 (12.8%) |
| Vacant Housing Units | 76 ( 9.7%) |
| Median Home Value | $57,750 |
| Average Home Value | $101,647 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
1
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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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Listed by: N/A • N/A
Mls Name: Xome
Mls Provider:
Mls ID: #N/A
