344 4th StEstes ParkCO80517
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 344 4th St, Estes Park, CO, 80517 in Estes Park at $399,000 earns $2,395/mo in rent and nets $70/mo after the $1,794/mo payment, a 7.2% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $110,236 over five years. Ziffy Mortgage underwrites this on a 1.34 DSCR without U.S. credit history. With $3,675/yr in principal paydown, total projected return reaches $155,177.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 6.0% |
| Monthly Cash Flow | $70 | $200 |
City averages based on Estes Park market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,395 |
| Total Monthly Debt Service | $2,167 |
| DSCR Ratio | 1.11x |
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 1947
9,045 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80517, Estes Park, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,649 (100%) |
| Owner Occupied HU | 3,060 (40.0%) |
| Renter Occupied HU | 1,396 (18.3%) |
| Vacant Housing Units | 3,193 (41.7%) |
| Median Home Value | $730,165 |
| Average Home Value | $832,833 |
Housing Distribution
Address Breakdown
Residential
5,225
Single Family
5,165
Multi-Family
60
Businesses
771
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 1947
9,045 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80517, Estes Park, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,649 (100%) |
| Owner Occupied HU | 3,060 (40.0%) |
| Renter Occupied HU | 1,396 (18.3%) |
| Vacant Housing Units | 3,193 (41.7%) |
| Median Home Value | $730,165 |
| Average Home Value | $832,833 |
Housing Distribution
Address Breakdown
Residential
5,225
Single Family
5,165
Multi-Family
60
Businesses
771
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: IRES
Mls ID: #1052577