4650 Whispering Pines LnLas CrucesNM88007
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 4650 Whispering Pines Ln, Las Cruces, NM, 88007 in Las Cruces. Rental yield 5.54%. At $655,000 with 5.54% gross yield, current distributions are modest, but the 5% appreciation rate projects $180,964 in new equity by year five, complemented by $6,033/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.99) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $188,385.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.5% | 9.2% |
| Monthly Cash Flow | $(823) | $450 |
City averages based on Las Cruces market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,926 |
| Total Monthly Debt Service | $3,584 |
| DSCR Ratio | 0.82x |
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 2006
1.02 Acres lot
$N/A/sqft
No HOA
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 2006
1.02 Acres lot
$N/A/sqft
No HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Anela Borrego-Flores • Keller Williams Realty
Mls Name: SNMMLS
Mls ID: #2501558
Disclaimer: The information provided is 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. Listing information is deemed reliable, but not guaranteed.