3549 County Road 265WestcliffeCO81252
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 3549 County Road 265, Westcliffe, CO, 81252 in Westcliffe at $395,000 earns $2,315/mo in rent and nets $13/mo after the $1,776/mo payment, a 7.03% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $109,131 over five years. Ziffy Mortgage underwrites this on a 1.30 DSCR without U.S. credit history. With $3,638/yr in principal paydown, total projected return reaches $150,048.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.5% |
| Monthly Cash Flow | $13 | $400 |
City averages based on Westcliffe market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,315 |
| Total Monthly Debt Service | $2,145 |
| DSCR Ratio | 1.08x |
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 1998
5.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81252, Westcliffe, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,144 (100%) |
| Owner Occupied HU | 1,843 (44.5%) |
| Renter Occupied HU | 422 (10.2%) |
| Vacant Housing Units | 1,879 (45.3%) |
| Median Home Value | $463,447 |
| Average Home Value | $598,626 |
Housing Distribution
Address Breakdown
Residential
2,260
Single Family
2,232
Multi-Family
28
Businesses
281
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 1998
5.43 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81252, Westcliffe, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,144 (100%) |
| Owner Occupied HU | 1,843 (44.5%) |
| Renter Occupied HU | 422 (10.2%) |
| Vacant Housing Units | 1,879 (45.3%) |
| Median Home Value | $463,447 |
| Average Home Value | $598,626 |
Housing Distribution
Address Breakdown
Residential
2,260
Single Family
2,232
Multi-Family
28
Businesses
281
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bob M. Senderhauf • Custer County Realty, Inc.
Mls Name: Royal Gorge AOR
Mls ID: #3089506