317 State Highway 3RiberaNM87560
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 317 State Highway 3, Ribera, NM, 87560 in Ribera at $845,000, 4.46% gross yield, is a market-growth asset. Rental yield 4.46%. The $3,138/mo rent partially funds the $3,800/mo debt service; the core return is the 5%/yr price growth projected to add $233,458 over five years. Ziffy Mortgage's DSCR mortgage (0.83) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $202,032.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 6.2% |
| Monthly Cash Flow | $(1,822) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $3,138 |
| Total Monthly Debt Service | $4,624 |
| DSCR Ratio | 0.68x |
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 N/A
6.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87560, Ribera, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 740 (100%) |
| Owner Occupied HU | 496 (67.0%) |
| Renter Occupied HU | 68 ( 9.2%) |
| Vacant Housing Units | 176 (23.8%) |
| Median Home Value | $150,000 |
| Average Home Value | $169,546 |
Housing Distribution
Address Breakdown
Residential
264
Single Family
264
Multi-Family
0
Businesses
33
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 N/A
6.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87560, Ribera, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 740 (100%) |
| Owner Occupied HU | 496 (67.0%) |
| Renter Occupied HU | 68 ( 9.2%) |
| Vacant Housing Units | 176 (23.8%) |
| Median Home Value | $150,000 |
| Average Home Value | $169,546 |
Housing Distribution
Address Breakdown
Residential
264
Single Family
264
Multi-Family
0
Businesses
33
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John Paul de Oliveira • Equity New Mexico
Mls Name: SWMLS
Mls Provider:
Mls ID: #1067853
Disclaimer: Some of the information contained herein has been provided by Southwest Multiple Listing Service, Inc. (SWMLS) This information is from sources deemed reliable but not guaranteed by SWMLS. The information is for consumers personal, non-commerical use and may not be used for any purpose other than identifying properties which consumers may be interested in purchasing.