3635 N Valley DrLas CrucesNM88007
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 3635 N Valley Dr, Las Cruces, NM, 88007 in Las Cruces. Rental yield 2.09%. At $1,238,000 with 2.09% gross yield, current distributions are modest, but the 5% appreciation rate projects $342,037 in new equity by year five, complemented by $11,402/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.39) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $139,035.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.1% | 9.2% |
| Monthly Cash Flow | $(5,108) | $450 |
City averages based on Las Cruces market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,159 |
| Total Monthly Debt Service | $6,774 |
| DSCR Ratio | 0.32x |
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 N/A
N/A lot
$N/A/sqft
No HOA
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 N/A
N/A lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: SNMMLS
Mls ID: #2503752