36 Scotland RdPuebloCO81001
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 36 Scotland Rd, Pueblo, CO, 81001 in Pueblo at $312,000 earns $1,914/mo in rent and nets $96/mo after the $1,403/mo payment, a 7.36% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $86,200 over five years. Ziffy Mortgage underwrites this on a 1.36 DSCR without U.S. credit history. With $2,874/yr in principal paydown, total projected return reaches $123,969.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 12.0% |
| Monthly Cash Flow | $96 | $2,100 |
City averages based on Pueblo market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,914 |
| Total Monthly Debt Service | $1,694 |
| DSCR Ratio | 1.13x |
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 1960
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81001, Pueblo, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,172 (100%) |
| Owner Occupied HU | 6,254 (47.5%) |
| Renter Occupied HU | 5,983 (45.4%) |
| Vacant Housing Units | 935 ( 7.1%) |
| Median Home Value | $267,122 |
| Average Home Value | $339,961 |
Housing Distribution
Address Breakdown
Residential
12,299
Single Family
11,411
Multi-Family
888
Businesses
550
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 1960
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81001, Pueblo, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,172 (100%) |
| Owner Occupied HU | 6,254 (47.5%) |
| Renter Occupied HU | 5,983 (45.4%) |
| Vacant Housing Units | 935 ( 7.1%) |
| Median Home Value | $267,122 |
| Average Home Value | $339,961 |
Housing Distribution
Address Breakdown
Residential
12,299
Single Family
11,411
Multi-Family
888
Businesses
550
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices