5 Urraca LnSanta FeNM87506
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 5 Urraca Ln, Santa Fe, NM, 87506 in Santa Fe at $400,000 earns $2,437/mo in rent and nets $89/mo after the $1,799/mo payment, a 7.31% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $110,513 over five years. Ziffy Mortgage underwrites this on a 1.35 DSCR without U.S. credit history. With $3,684/yr in principal paydown, total projected return reaches $156,838.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 4.2% |
| Monthly Cash Flow | $89 | $2,100 |
City averages based on Santa Fe market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,437 |
| 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 1992
1.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87506, Santa Fe, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,971 (100%) |
| Owner Occupied HU | 5,887 (65.6%) |
| Renter Occupied HU | 1,612 (18.0%) |
| Vacant Housing Units | 1,472 (16.4%) |
| Median Home Value | $740,284 |
| Average Home Value | $851,960 |
Housing Distribution
Address Breakdown
Residential
7,136
Single Family
6,182
Multi-Family
954
Businesses
160
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 1992
1.51 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87506, Santa Fe, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,971 (100%) |
| Owner Occupied HU | 5,887 (65.6%) |
| Renter Occupied HU | 1,612 (18.0%) |
| Vacant Housing Units | 1,472 (16.4%) |
| Median Home Value | $740,284 |
| Average Home Value | $851,960 |
Housing Distribution
Address Breakdown
Residential
7,136
Single Family
6,182
Multi-Family
954
Businesses
160
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Ralph F. Larranaga III • Las Campanas Realty, LLC
Mls Name: SFARMLS
Mls ID: #202503297