4895 Mother Lode TrlLas CrucesNM88011
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 4895 Mother Lode Trl, Las Cruces, NM, 88011 in Las Cruces is capital appreciation. Rental yield 4.82%. The 4.82% gross yield at $649,725 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $179,507 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.83) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $156,677.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 9.2% |
| Monthly Cash Flow | $(1,204) | $450 |
City averages based on Las Cruces market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,434 |
| Total Monthly Debt Service | $3,555 |
| DSCR Ratio | 0.68x |
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
1.14 Acres 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 2004
1.14 Acres 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: Monica M Escamilla • Keller Williams Realty
Mls Name: SNMMLS
Mls ID: #2501499
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.