4464 Espirit DrFort CollinsCO80524
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowA DSCR of 1.95 makes 4464 Espirit Dr, Fort Collins, CO, 80524 in Fort Collins one of the easier properties to finance via Ziffy Mortgage's rental-income underwriting. Rental yield 10.51%. The 10.51% yield, 5% annual appreciation ($55,256 over five years), and $1,842/yr in principal reduction project a total cumulative return of $31,523.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 5.8% |
| Monthly Cash Flow | $(777) | $1,850 |
City averages based on Fort Collins market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,752 |
| Total Monthly Debt Service | $2,449 |
| DSCR Ratio | 0.72x |
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 2004
1 sqft lot
$N/A/sqft
$1,363 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80524, Fort Collins, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,674 (100%) |
| Owner Occupied HU | 11,245 (60.2%) |
| Renter Occupied HU | 6,343 (34.0%) |
| Vacant Housing Units | 1,086 ( 5.8%) |
| Median Home Value | $641,259 |
| Average Home Value | $685,565 |
Housing Distribution
Address Breakdown
Residential
17,624
Single Family
14,212
Multi-Family
3,412
Businesses
2,143
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 2004
1 sqft lot
$N/A/sqft
$1,363 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80524, Fort Collins, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,674 (100%) |
| Owner Occupied HU | 11,245 (60.2%) |
| Renter Occupied HU | 6,343 (34.0%) |
| Vacant Housing Units | 1,086 ( 5.8%) |
| Median Home Value | $641,259 |
| Average Home Value | $685,565 |
Housing Distribution
Address Breakdown
Residential
17,624
Single Family
14,212
Multi-Family
3,412
Businesses
2,143
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kimberly Henry • Terra Source Realty
Mls Name: IRES
Mls Provider:
Mls ID: #1025808
Disclaimer: Information source: Information and Real Estate Services, LLC. Provided for limited non-commercial use only under IRES Rules Copyright IRES. Listing information is provided exclusively for consumers' 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 deemed reliable but not guaranteed by the MLS.