3832 N Clay StreetDenverCO80211
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 3832 N Clay Street, Denver, CO, 80211 in Denver is narrow, $108/mo net on $4,033/mo rent after the $3,012/mo debt service, but the property operates at break-even-plus, not a loss. At $669,900 with a 7.22% yield, the long-run equity case via 5% appreciation ($185,081 over five years) and $6,170/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.34 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $260,070.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 3.8% |
| Monthly Cash Flow | $108 | $1,850 |
City averages based on Denver market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,033 |
| Total Monthly Debt Service | $3,658 |
| DSCR Ratio | 1.10x |
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 1902
4,690 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80211, Denver, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,196 (100%) |
| Owner Occupied HU | 8,738 (37.7%) |
| Renter Occupied HU | 12,264 (52.9%) |
| Vacant Housing Units | 2,194 ( 9.5%) |
| Median Home Value | $834,101 |
| Average Home Value | $923,954 |
Housing Distribution
Address Breakdown
Residential
20,722
Single Family
13,672
Multi-Family
7,050
Businesses
1,314
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 1902
4,690 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80211, Denver, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,196 (100%) |
| Owner Occupied HU | 8,738 (37.7%) |
| Renter Occupied HU | 12,264 (52.9%) |
| Vacant Housing Units | 2,194 ( 9.5%) |
| Median Home Value | $834,101 |
| Average Home Value | $923,954 |
Housing Distribution
Address Breakdown
Residential
20,722
Single Family
13,672
Multi-Family
7,050
Businesses
1,314
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: John Stegner • Your Castle Real Estate Inc
Mls Name: REcolorado
Mls Provider:
Mls ID: #5590881
Disclaimer: 2025 REcolorado All rights reserved. Certain information contained herein is derived from information which is the licensed property of, and copyrighted by, REcolorado. [Click here for more information](/mls-disclaimers/#17059)