405 Red Sunset PlaceLovelandCO80538
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 405 Red Sunset Place, Loveland, CO, 80538 in Loveland is narrow, $118/mo net on $3,023/mo rent after the $2,242/mo debt service, but the property operates at break-even-plus, not a loss. At $498,500 with a 7.28% yield, the long-run equity case via 5% appreciation ($137,726 over five years) and $4,591/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.35 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $195,806.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 4.2% |
| Monthly Cash Flow | $118 | $1,850 |
City averages based on Loveland market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,023 |
| Total Monthly Debt Service | $2,707 |
| DSCR Ratio | 1.12x |
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 1997
9,246 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80538, Loveland, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,793 (100%) |
| Owner Occupied HU | 15,835 (63.9%) |
| Renter Occupied HU | 7,703 (31.1%) |
| Vacant Housing Units | 1,255 ( 5.1%) |
| Median Home Value | $595,402 |
| Average Home Value | $667,924 |
Housing Distribution
Address Breakdown
Residential
23,157
Single Family
20,602
Multi-Family
2,555
Businesses
1,282
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 1997
9,246 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80538, Loveland, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,793 (100%) |
| Owner Occupied HU | 15,835 (63.9%) |
| Renter Occupied HU | 7,703 (31.1%) |
| Vacant Housing Units | 1,255 ( 5.1%) |
| Median Home Value | $595,402 |
| Average Home Value | $667,924 |
Housing Distribution
Address Breakdown
Residential
23,157
Single Family
20,602
Multi-Family
2,555
Businesses
1,282
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices