328 E Union AvenueLa SalleCO80645
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 328 E Union Avenue, La Salle, CO, 80645 in La Salle: $2,094/mo in rent, $287/mo in net income, 8.11% gross yield, 1.50 DSCR, all at $310,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $85,647 in appreciation and $2,855/yr in principal paydown projects total cumulative return of $135,564.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.5% |
| Monthly Cash Flow | $287 | $2,000 |
City averages based on La Salle 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 | $2,094 |
| Total Monthly Debt Service | $1,683 |
| DSCR Ratio | 1.24x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1940
7,467 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80645, La Salle, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,584 (100%) |
| Owner Occupied HU | 1,200 (75.8%) |
| Renter Occupied HU | 328 (20.7%) |
| Vacant Housing Units | 56 ( 3.5%) |
| Median Home Value | $533,699 |
| Average Home Value | $607,410 |
Housing Distribution
Address Breakdown
Residential
1,560
Single Family
1,560
Multi-Family
0
Businesses
164
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 1940
7,467 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80645, La Salle, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,584 (100%) |
| Owner Occupied HU | 1,200 (75.8%) |
| Renter Occupied HU | 328 (20.7%) |
| Vacant Housing Units | 56 ( 3.5%) |
| Median Home Value | $533,699 |
| Average Home Value | $607,410 |
Housing Distribution
Address Breakdown
Residential
1,560
Single Family
1,560
Multi-Family
0
Businesses
164
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices