4351 County Road 12CotopaxiCO81223
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingFor first-time U.S. investors or those diversifying conservatively, 4351 County Road 12, Cotopaxi, CO, 81223 in Cotopaxi offers a clean, manageable entry. Rental yield 6.2%. DSCR 1.15 qualifies for Ziffy Mortgage's no-W2 mortgage for non-U.S. residents. Long-term: 5% annual appreciation projects $154,441 in additional property value over five years, with $5,148/yr in principal equity building ownership stake. Total projected cumulative return: $187,185.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.2% | 6.0% |
| Monthly Cash Flow | $(372) | $300 |
City averages based on Cotopaxi market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,886 |
| Total Monthly Debt Service | $3,035 |
| DSCR Ratio | 0.95x |
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 1977
14.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81223, Cotopaxi, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,744 (100%) |
| Owner Occupied HU | 959 (55.0%) |
| Renter Occupied HU | 100 ( 5.7%) |
| Vacant Housing Units | 685 (39.3%) |
| Median Home Value | $396,394 |
| Average Home Value | $435,326 |
Housing Distribution
Address Breakdown
Residential
1,405
Single Family
1,405
Multi-Family
0
Businesses
31
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 1977
14.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81223, Cotopaxi, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,744 (100%) |
| Owner Occupied HU | 959 (55.0%) |
| Renter Occupied HU | 100 ( 5.7%) |
| Vacant Housing Units | 685 (39.3%) |
| Median Home Value | $396,394 |
| Average Home Value | $435,326 |
Housing Distribution
Address Breakdown
Residential
1,405
Single Family
1,405
Multi-Family
0
Businesses
31
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices