39 Hickory DrLyonsCO80540
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt $399,000, 39 Hickory Dr, Lyons, CO, 80540 in Lyons generates $2,730/mo in rent (8.21% yield) but nets only $62/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.52) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $110,236. Total projected return: $176,741.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 7.0% |
| Monthly Cash Flow | $62 | $1,500 |
City averages based on Lyons market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,730 |
| Total Monthly Debt Service | $2,167 |
| DSCR Ratio | 1.26x |
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 1971
0.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80540, Lyons, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,506 (100%) |
| Owner Occupied HU | 1,635 (65.2%) |
| Renter Occupied HU | 363 (14.5%) |
| Vacant Housing Units | 508 (20.3%) |
| Median Home Value | $916,051 |
| Average Home Value | $1,038,884 |
Housing Distribution
Address Breakdown
Residential
1,352
Single Family
1,352
Multi-Family
0
Businesses
121
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 1971
0.65 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80540, Lyons, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,506 (100%) |
| Owner Occupied HU | 1,635 (65.2%) |
| Renter Occupied HU | 363 (14.5%) |
| Vacant Housing Units | 508 (20.3%) |
| Median Home Value | $916,051 |
| Average Home Value | $1,038,884 |
Housing Distribution
Address Breakdown
Residential
1,352
Single Family
1,352
Multi-Family
0
Businesses
121
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices