3670 E 128th PlaceThorntonCO80241
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 3670 E 128th Place, Thornton, CO, 80241 in Thornton at $511,500 earns $3,151/mo in rent and nets $170/mo after the $2,300/mo payment, a 7.39% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $141,318 over five years. Ziffy Mortgage underwrites this on a 1.37 DSCR without U.S. credit history. With $4,711/yr in principal paydown, total projected return reaches $204,107.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 5.8% |
| Monthly Cash Flow | $170 | $285 |
City averages based on Thornton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,151 |
| Total Monthly Debt Service | $2,777 |
| 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 1974
8,910 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80241, Denver, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,194 (100%) |
| Owner Occupied HU | 8,746 (61.6%) |
| Renter Occupied HU | 4,583 (32.3%) |
| Vacant Housing Units | 865 ( 6.1%) |
| Median Home Value | $589,153 |
| Average Home Value | $615,586 |
Housing Distribution
Address Breakdown
Residential
12,715
Single Family
9,810
Multi-Family
2,905
Businesses
241
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 1974
8,910 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80241, Denver, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,194 (100%) |
| Owner Occupied HU | 8,746 (61.6%) |
| Renter Occupied HU | 4,583 (32.3%) |
| Vacant Housing Units | 865 ( 6.1%) |
| Median Home Value | $589,153 |
| Average Home Value | $615,586 |
Housing Distribution
Address Breakdown
Residential
12,715
Single Family
9,810
Multi-Family
2,905
Businesses
241
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices