425 S 5th StMontroseCO81401
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 425 S 5th St, Montrose, CO, 81401 in Montrose is capital appreciation. Rental yield 3.42%. The 3.42% gross yield at $700,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $193,397 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.63) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $130,310.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.4% | 6.5% |
| Monthly Cash Flow | $(2,083) | $300 |
City averages based on Montrose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,997 |
| Total Monthly Debt Service | $3,801 |
| DSCR Ratio | 0.53x |
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 1902
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81401, Montrose, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,059 (100%) |
| Owner Occupied HU | 6,894 (62.3%) |
| Renter Occupied HU | 3,345 (30.2%) |
| Vacant Housing Units | 820 ( 7.4%) |
| Median Home Value | $384,298 |
| Average Home Value | $468,293 |
Housing Distribution
Address Breakdown
Residential
10,999
Single Family
10,611
Multi-Family
388
Businesses
1,170
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 1902
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81401, Montrose, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,059 (100%) |
| Owner Occupied HU | 6,894 (62.3%) |
| Renter Occupied HU | 3,345 (30.2%) |
| Vacant Housing Units | 820 ( 7.4%) |
| Median Home Value | $384,298 |
| Average Home Value | $468,293 |
Housing Distribution
Address Breakdown
Residential
10,999
Single Family
10,611
Multi-Family
388
Businesses
1,170
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Elizabeth Spitzer • Phelps Real Estate Group
Mls Name: CREN
Mls Provider:
Mls ID: #815784
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.