323 Josef CircleFort LuptonCO80621
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 323 Josef Circle, Fort Lupton, CO, 80621 in Fort Lupton worth study. Rental yield 3.44%. The 3.44% gross yield is below cash-flow benchmarks at $543,887, but 5% annual appreciation, adding $150,266 over five years, frames this as a capital growth position. Rent of $1,559/mo partially offsets the $2,446/mo payment. Ziffy Mortgage finances appreciation-play properties (0.64 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $90,038.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.4% | 8.2% |
| Monthly Cash Flow | $(1,806) | $300 |
City averages based on Fort Lupton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,559 |
| Total Monthly Debt Service | $3,148 |
| DSCR Ratio | 0.50x |
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 2024
6,917 sqft lot
$N/A/sqft
$195 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80621, Fort Lupton, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,625 (100%) |
| Owner Occupied HU | 4,243 (75.4%) |
| Renter Occupied HU | 1,214 (21.6%) |
| Vacant Housing Units | 168 ( 3.0%) |
| Median Home Value | $468,879 |
| Average Home Value | $534,785 |
Housing Distribution
Address Breakdown
Residential
5,306
Single Family
5,080
Multi-Family
226
Businesses
476
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 2024
6,917 sqft lot
$N/A/sqft
$195 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80621, Fort Lupton, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,625 (100%) |
| Owner Occupied HU | 4,243 (75.4%) |
| Renter Occupied HU | 1,214 (21.6%) |
| Vacant Housing Units | 168 ( 3.0%) |
| Median Home Value | $468,879 |
| Average Home Value | $534,785 |
Housing Distribution
Address Breakdown
Residential
5,306
Single Family
5,080
Multi-Family
226
Businesses
476
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Shannon Wiens • Resident Realty North Metro LLC
Mls Name: REcolorado
Mls Provider:
Mls ID: #9609984
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)