3788 State Highway 133SomersetCO81434
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 3788 State Highway 133, Somerset, CO, 81434 in Somerset speaks for itself: 15.58% gross on a $137,000 price, generating $1,778/mo in rent and $980/mo in net income after the $616/mo debt service. DSCR 2.89, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $11,760 stacks alongside $37,851 in projected five-year appreciation and $1,262/yr in principal reduction. Projected total cumulative return: $114,815.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.6% | 5.5% |
| Monthly Cash Flow | $980 | $300 |
City averages based on Somerset market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,778 |
| Total Monthly Debt Service | $744 |
| DSCR Ratio | 2.39x |
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 1907
4,986 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81434, Somerset, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 238 (100%) |
| Owner Occupied HU | 59 (24.8%) |
| Renter Occupied HU | 12 ( 5.0%) |
| Vacant Housing Units | 167 (70.2%) |
| Median Home Value | $787,500 |
| Average Home Value | $777,119 |
Housing Distribution
Address Breakdown
Residential
49
Single Family
49
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
No similar price properties found nearby.
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 1907
4,986 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81434, Somerset, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 238 (100%) |
| Owner Occupied HU | 59 (24.8%) |
| Renter Occupied HU | 12 ( 5.0%) |
| Vacant Housing Units | 167 (70.2%) |
| Median Home Value | $787,500 |
| Average Home Value | $777,119 |
Housing Distribution
Address Breakdown
Residential
49
Single Family
49
Multi-Family
0
Businesses
10
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
No similar price properties found nearby.