451 Ute Mountain RdQuestaNM87556
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.26% yield at 451 Ute Mountain Rd, Questa, NM, 87556 in Questa is solid, but the $1,799/mo payment compresses net cash flow to $73/mo at $400,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $110,513 by year five, and $3,684/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.35) without U.S. income documentation. Total projected return: $155,734.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 6.2% |
| Monthly Cash Flow | $73 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,420 |
| Total Monthly Debt Service | $2,189 |
| DSCR Ratio | 1.11x |
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 1993
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87556, Questa, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,596 (100%) |
| Owner Occupied HU | 1,012 (63.4%) |
| Renter Occupied HU | 189 (11.8%) |
| Vacant Housing Units | 395 (24.7%) |
| Median Home Value | $305,263 |
| Average Home Value | $383,676 |
Housing Distribution
Address Breakdown
Residential
231
Single Family
231
Multi-Family
0
Businesses
48
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 1993
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87556, Questa, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,596 (100%) |
| Owner Occupied HU | 1,012 (63.4%) |
| Renter Occupied HU | 189 (11.8%) |
| Vacant Housing Units | 395 (24.7%) |
| Median Home Value | $305,263 |
| Average Home Value | $383,676 |
Housing Distribution
Address Breakdown
Residential
231
Single Family
231
Multi-Family
0
Businesses
48
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: Enchanted Circle
Mls ID: #113040