4624 Mesa Central DrLas CrucesNM88011
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 4624 Mesa Central Dr, Las Cruces, NM, 88011 in Las Cruces is narrow, $146/mo net on $2,765/mo rent after the $1,905/mo debt service, but the property operates at break-even-plus, not a loss. At $423,600 with a 7.83% yield, the long-run equity case via 5% appreciation ($117,033 over five years) and $3,901/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.45 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $170,035.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.8% | 9.2% |
| Monthly Cash Flow | $146 | $450 |
City averages based on Las Cruces market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,765 |
| Total Monthly Debt Service | $2,450 |
| DSCR Ratio | 1.13x |
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 2007
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 88011, Las Cruces, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,449 (100%) |
| Owner Occupied HU | 9,437 (57.4%) |
| Renter Occupied HU | 5,793 (35.2%) |
| Vacant Housing Units | 1,219 ( 7.4%) |
| Median Home Value | $350,120 |
| Average Home Value | $396,254 |
Housing Distribution
Address Breakdown
Residential
15,613
Single Family
13,432
Multi-Family
2,181
Businesses
780
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 2007
10,018 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 88011, Las Cruces, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,449 (100%) |
| Owner Occupied HU | 9,437 (57.4%) |
| Renter Occupied HU | 5,793 (35.2%) |
| Vacant Housing Units | 1,219 ( 7.4%) |
| Median Home Value | $350,120 |
| Average Home Value | $396,254 |
Housing Distribution
Address Breakdown
Residential
15,613
Single Family
13,432
Multi-Family
2,181
Businesses
780
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A