435 32nd Rd #98CliftonCO81520
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 435 32nd Rd #98, Clifton, CO, 81520 in Clifton is the 1.74 coverage ratio: rent of $822/mo versus a $472/mo debt payment on a $105,000 property. Rental yield 9.39%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $29,010 by year five, with $967/yr in equity from paydown. Total projected cumulative return: $6,255.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 7.5% |
| Monthly Cash Flow | $(572) | $250 |
City averages based on Clifton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $822 |
| Total Monthly Debt Service | $1,352 |
| DSCR Ratio | 0.61x |
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 2021
N/A lot
$N/A/sqft
$782 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81520, Clifton, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,488 (100%) |
| Owner Occupied HU | 3,281 (59.8%) |
| Renter Occupied HU | 1,929 (35.1%) |
| Vacant Housing Units | 278 ( 5.1%) |
| Median Home Value | $266,219 |
| Average Home Value | $348,064 |
Housing Distribution
Address Breakdown
Residential
5,638
Single Family
5,102
Multi-Family
536
Businesses
233
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 2021
N/A lot
$N/A/sqft
$782 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81520, Clifton, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,488 (100%) |
| Owner Occupied HU | 3,281 (59.8%) |
| Renter Occupied HU | 1,929 (35.1%) |
| Vacant Housing Units | 278 ( 5.1%) |
| Median Home Value | $266,219 |
| Average Home Value | $348,064 |
Housing Distribution
Address Breakdown
Residential
5,638
Single Family
5,102
Multi-Family
536
Businesses
233
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • KELLER WILLIAMS COLORADO WEST REALTY
Mls Name: GJARA
Mls ID: #20251894
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.