4076 Omer LnDivideCO80814
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow4076 Omer Ln, Divide, CO, 80814 in Divide is a top-tier cash-flow asset. At $535,000 it produces $4,680/mo in rent and $1,551/mo in net monthly income, a 10.5% gross rental yield. The DSCR of 1.95 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $18,613. Five-year appreciation adds $147,811, driving a total cumulative return of $302,532.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.2% |
| Monthly Cash Flow | $1,551 | $300 |
City averages based on Divide market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,680 |
| Total Monthly Debt Service | $2,905 |
| DSCR Ratio | 1.61x |
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 1983
1.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80814, Divide, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,159 (100%) |
| Owner Occupied HU | 1,445 (66.9%) |
| Renter Occupied HU | 221 (10.2%) |
| Vacant Housing Units | 493 (22.8%) |
| Median Home Value | $494,697 |
| Average Home Value | $605,069 |
Housing Distribution
Address Breakdown
Residential
1,701
Single Family
1,701
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 1983
1.37 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80814, Divide, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,159 (100%) |
| Owner Occupied HU | 1,445 (66.9%) |
| Renter Occupied HU | 221 (10.2%) |
| Vacant Housing Units | 493 (22.8%) |
| Median Home Value | $494,697 |
| Average Home Value | $605,069 |
Housing Distribution
Address Breakdown
Residential
1,701
Single Family
1,701
Multi-Family
0
Businesses
121
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices