4 Road 5466FarmingtonNM87401
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 4 Road 5466, Farmington, NM, 87401 in Farmington is narrow, $20/mo net on $1,840/mo rent after the $1,394/mo debt service, but the property operates at break-even-plus, not a loss. At $310,000 with a 7.12% yield, the long-run equity case via 5% appreciation ($85,647 over five years) and $2,855/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.32 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $118,428.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 7.8% |
| Monthly Cash Flow | $20 | $850 |
City averages based on Farmington market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,840 |
| Total Monthly Debt Service | $1,696 |
| DSCR Ratio | 1.08x |
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.
Manufactured
Built in 1998
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87401, Farmington, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,834 (100%) |
| Owner Occupied HU | 11,679 (58.9%) |
| Renter Occupied HU | 6,029 (30.4%) |
| Vacant Housing Units | 2,126 (10.7%) |
| Median Home Value | $209,464 |
| Average Home Value | $224,904 |
Housing Distribution
Address Breakdown
Residential
15,432
Single Family
14,640
Multi-Family
792
Businesses
1,527
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
Manufactured
Built in 1998
0.34 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87401, Farmington, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,834 (100%) |
| Owner Occupied HU | 11,679 (58.9%) |
| Renter Occupied HU | 6,029 (30.4%) |
| Vacant Housing Units | 2,126 (10.7%) |
| Median Home Value | $209,464 |
| Average Home Value | $224,904 |
Housing Distribution
Address Breakdown
Residential
15,432
Single Family
14,640
Multi-Family
792
Businesses
1,527
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: SJCMLS
Mls ID: #26-282