4192 Spruce Way #209-AVailCO81657
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.03% yield at 4192 Spruce Way #209-A, Vail, CO, 81657 in Vail is solid, but the $4,159/mo payment compresses net cash flow to $25/mo at $925,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $255,560 by year five, and $8,519/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.30) without U.S. income documentation. Total projected return: $350,954.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 7.0% |
| Monthly Cash Flow | $25 | $5,000 |
City averages based on Vail market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,416 |
| Total Monthly Debt Service | $5,023 |
| 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.
Condo
Built in 1973
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81657, Vail, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,577 (100%) |
| Owner Occupied HU | 1,449 (16.9%) |
| Renter Occupied HU | 1,419 (16.5%) |
| Vacant Housing Units | 5,709 (66.6%) |
| Median Home Value | $1,382,287 |
| Average Home Value | $1,374,558 |
Housing Distribution
Address Breakdown
Residential
3,303
Single Family
2,769
Multi-Family
534
Businesses
376
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
Condo
Built in 1973
1,306 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81657, Vail, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,577 (100%) |
| Owner Occupied HU | 1,449 (16.9%) |
| Renter Occupied HU | 1,419 (16.5%) |
| Vacant Housing Units | 5,709 (66.6%) |
| Median Home Value | $1,382,287 |
| Average Home Value | $1,374,558 |
Housing Distribution
Address Breakdown
Residential
3,303
Single Family
2,769
Multi-Family
534
Businesses
376
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices