411 N 8th StRocky FordCO81067
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 411 N 8th St, Rocky Ford, CO, 81067 in Rocky Ford is narrow, $164/mo net on $1,709/mo rent after the $1,192/mo debt service, but the property operates at break-even-plus, not a loss. At $265,000 with a 7.74% yield, the long-run equity case via 5% appreciation ($73,215 over five years) and $2,441/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.43 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $110,659.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 7.0% |
| Monthly Cash Flow | $164 | $1,200 |
City averages based on Rocky Ford market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,709 |
| Total Monthly Debt Service | $1,439 |
| DSCR Ratio | 1.19x |
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 1906
10,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81067, Rocky Ford, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,610 (100%) |
| Owner Occupied HU | 1,434 (54.9%) |
| Renter Occupied HU | 802 (30.7%) |
| Vacant Housing Units | 374 (14.3%) |
| Median Home Value | $151,415 |
| Average Home Value | $182,301 |
Housing Distribution
Address Breakdown
Residential
2,279
Single Family
2,113
Multi-Family
166
Businesses
228
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 1906
10,497 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81067, Rocky Ford, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,610 (100%) |
| Owner Occupied HU | 1,434 (54.9%) |
| Renter Occupied HU | 802 (30.7%) |
| Vacant Housing Units | 374 (14.3%) |
| Median Home Value | $151,415 |
| Average Home Value | $182,301 |
Housing Distribution
Address Breakdown
Residential
2,279
Single Family
2,113
Multi-Family
166
Businesses
228
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: J.P. Speers • Bhhs Rocky Mountain Realtors
Mls Name: Royal Gorge AOR
Mls Provider:
Mls ID: #5132280
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