4585 Laidlaw RoadFort GarlandCO81133
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 4585 Laidlaw Road, Fort Garland, CO, 81133 in Fort Garland earns a 9.6% gross yield at $283,000. Rent of $2,263/mo nets $614/mo after the $1,273/mo mortgage. The 1.78 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $78,188 and $2,606/yr in equity accumulation project a total cumulative return of $146,330.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.0% |
| Monthly Cash Flow | $614 | $500 |
City averages based on Fort Garland market data in our database. Property projections are estimates.
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 | $2,263 |
| Total Monthly Debt Service | $1,537 |
| DSCR Ratio | 1.47x |
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 2024
5.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81133, Fort Garland, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 864 (100%) |
| Owner Occupied HU | 394 (45.6%) |
| Renter Occupied HU | 89 (10.3%) |
| Vacant Housing Units | 381 (44.1%) |
| Median Home Value | $286,190 |
| Average Home Value | $382,722 |
Housing Distribution
Address Breakdown
Residential
282
Single Family
282
Multi-Family
0
Businesses
52
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 2024
5.08 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81133, Fort Garland, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 864 (100%) |
| Owner Occupied HU | 394 (45.6%) |
| Renter Occupied HU | 89 (10.3%) |
| Vacant Housing Units | 381 (44.1%) |
| Median Home Value | $286,190 |
| Average Home Value | $382,722 |
Housing Distribution
Address Breakdown
Residential
282
Single Family
282
Multi-Family
0
Businesses
52
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: REcolorado as distributed by MLS GRID
Mls Provider:
Mls ID: #3365947