3328 Pinewood StMontroseCO81401
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 3328 Pinewood St, Montrose, CO, 81401 in Montrose fits: $534,500, 5.66% gross yield, and a projected 5% annual appreciation rate adding $147,673 in value within five years. Rental yield 5.66%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (1.05) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,923/yr in principal paydown and $147,673 in appreciation project a total return of $163,612.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 6.5% |
| Monthly Cash Flow | $(595) | $300 |
City averages based on Montrose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,520 |
| Total Monthly Debt Service | $2,902 |
| DSCR Ratio | 0.87x |
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 2025
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81401, Montrose, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,059 (100%) |
| Owner Occupied HU | 6,894 (62.3%) |
| Renter Occupied HU | 3,345 (30.2%) |
| Vacant Housing Units | 820 ( 7.4%) |
| Median Home Value | $384,298 |
| Average Home Value | $468,293 |
Housing Distribution
Address Breakdown
Residential
10,999
Single Family
10,611
Multi-Family
388
Businesses
1,170
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 2025
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81401, Montrose, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,059 (100%) |
| Owner Occupied HU | 6,894 (62.3%) |
| Renter Occupied HU | 3,345 (30.2%) |
| Vacant Housing Units | 820 ( 7.4%) |
| Median Home Value | $384,298 |
| Average Home Value | $468,293 |
Housing Distribution
Address Breakdown
Residential
10,999
Single Family
10,611
Multi-Family
388
Businesses
1,170
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Beckie Pendergrass • Keller Williams Realty Southwest Associates, LLC - Montrose
Mls Name: CREN
Mls Provider:
Mls ID: #821164
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.