4114 Estrella NocheSanta FeNM87507
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeNot flashy, but dependably profitable, 4114 Estrella Noche, Santa Fe, NM, 87507 in Santa Fe is listed at $574,490 and delivers $2,462/mo in rent and $1,026/mo in net monthly cash flow. The 9.27% yield and 0.95 DSCR provide the underwriting comfort Ziffy Mortgage needs to approve a DSCR loan without W-2 or tax-return documentation. Projected 5% annual appreciation adds $158,721 over five years, and $5,291/yr in principal reduction supplements cash return. Total projected cumulative return: $156,032.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 4.2% |
| Monthly Cash Flow | $1,026 | $2,100 |
City averages based on Santa Fe market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,462 |
| Total Monthly Debt Service | $3,185 |
| DSCR Ratio | 0.77x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2025
4,356 sqft lot
$N/A/sqft
$125 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87507, Santa Fe, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,535 (100%) |
| Owner Occupied HU | 14,164 (60.2%) |
| Renter Occupied HU | 7,662 (32.6%) |
| Vacant Housing Units | 1,709 ( 7.3%) |
| Median Home Value | $401,100 |
| Average Home Value | $484,457 |
Housing Distribution
Address Breakdown
Residential
21,026
Single Family
17,810
Multi-Family
3,216
Businesses
1,556
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 2025
4,356 sqft lot
$N/A/sqft
$125 quarterly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87507, Santa Fe, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,535 (100%) |
| Owner Occupied HU | 14,164 (60.2%) |
| Renter Occupied HU | 7,662 (32.6%) |
| Vacant Housing Units | 1,709 ( 7.3%) |
| Median Home Value | $401,100 |
| Average Home Value | $484,457 |
Housing Distribution
Address Breakdown
Residential
21,026
Single Family
17,810
Multi-Family
3,216
Businesses
1,556
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Miguel Pena-Valenzuela • D.R. Horton
Mls Name: SFARMLS
Mls Provider:
Mls ID: #202502147
Disclaimer: The data relating to real estate for sale in this web site comes in part from the Internet Data exchange (IDX) program of SFAR MLS, Inc. Real estate listings held by brokers other than Zillow, Inc. are marked with the IDX Logo. All data in this web site is deemed reliable but is not guaranteed.