51781 County Road XSaguacheCO81149
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play51781 County Road X, Saguache, CO, 81149 in Saguache is priced for appreciation, not yield. Rental yield 4.31%. At $1,499,000 with a 4.31% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $414,146 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.80) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $349,960.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.3% | 7.0% |
| Monthly Cash Flow | $(3,358) | $300 |
City averages based on Saguache 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 | $5,378 |
| Total Monthly Debt Service | $8,140 |
| DSCR Ratio | 0.66x |
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 2009
360 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81149, Saguache, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 672 (100%) |
| Owner Occupied HU | 349 (51.9%) |
| Renter Occupied HU | 122 (18.2%) |
| Vacant Housing Units | 201 (29.9%) |
| Median Home Value | $176,786 |
| Average Home Value | $372,858 |
Housing Distribution
Address Breakdown
Residential
121
Single Family
120
Multi-Family
1
Businesses
49
Nearby investment properties with comparable rents
No similar rental properties found nearby.
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 2009
360 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81149, Saguache, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 672 (100%) |
| Owner Occupied HU | 349 (51.9%) |
| Renter Occupied HU | 122 (18.2%) |
| Vacant Housing Units | 201 (29.9%) |
| Median Home Value | $176,786 |
| Average Home Value | $372,858 |
Housing Distribution
Address Breakdown
Residential
121
Single Family
120
Multi-Family
1
Businesses
49
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices