42 Ridge CircleDivideCO80814
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 42 Ridge Circle, Divide, CO, 80814 in Divide is narrow, $148/mo net on $2,940/mo rent after the $2,154/mo debt service, but the property operates at break-even-plus, not a loss. At $479,000 with a 7.37% yield, the long-run equity case via 5% appreciation ($132,339 over five years) and $4,412/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.36 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $190,423.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.2% |
| Monthly Cash Flow | $148 | $300 |
City averages based on Divide market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,940 |
| Total Monthly Debt Service | $2,601 |
| DSCR Ratio | 1.13x |
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
2.07 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 1997
2.07 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