4408 Owen Prather HwyPinonNM88344
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowFew Pinon rentals match the income profile of 4408 Owen Prather Hwy, Pinon, NM, 88344. Listed at $195,000, gross rent is $1,777/mo and net cash flow is $633/mo, a 10.94% yield well above national averages. DSCR 2.03 means Ziffy Mortgage can approve your loan on the property's income alone, bypassing personal income verification. The 5% annual appreciation trend adds $53,875 by year five with $1,796/yr in annual principal reduction, projecting $114,361 in total cumulative return.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 6.2% |
| Monthly Cash Flow | $633 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,777 |
| Total Monthly Debt Service | $1,067 |
| DSCR Ratio | 1.67x |
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 1984
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 88344, Pinon, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 44 (100%) |
| Owner Occupied HU | 24 (54.5%) |
| Renter Occupied HU | 7 (15.9%) |
| Vacant Housing Units | 13 (29.5%) |
| Median Home Value | $270,000 |
| Average Home Value | $289,167 |
Housing Distribution
Address Breakdown
Residential
32
Single Family
32
Multi-Family
0
Businesses
12
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 1984
2 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 88344, Pinon, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 44 (100%) |
| Owner Occupied HU | 24 (54.5%) |
| Renter Occupied HU | 7 (15.9%) |
| Vacant Housing Units | 13 (29.5%) |
| Median Home Value | $270,000 |
| Average Home Value | $289,167 |
Housing Distribution
Address Breakdown
Residential
32
Single Family
32
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: OCMLS
Mls ID: #172434