521 W Main StFlorenceCO81226
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 521 W Main St, Florence, CO, 81226 in Florence. Priced at $194,900, it generates $1,885/mo in gross rent and $749/mo in net monthly cash flow, a 11.61% yield that comfortably supports the 2.15 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,992. Five-year appreciation: $53,847. Equity from principal paydown: $1,795/yr. Total projected cumulative return: $121,876.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.6% | 6.0% |
| Monthly Cash Flow | $749 | $250 |
City averages based on Florence market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,885 |
| Total Monthly Debt Service | $1,058 |
| DSCR Ratio | 1.78x |
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 1888
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81226, Florence, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,880 (100%) |
| Owner Occupied HU | 1,984 (68.9%) |
| Renter Occupied HU | 669 (23.2%) |
| Vacant Housing Units | 227 ( 7.9%) |
| Median Home Value | $253,135 |
| Average Home Value | $306,033 |
Housing Distribution
Address Breakdown
Residential
2,570
Single Family
2,562
Multi-Family
8
Businesses
247
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 1888
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81226, Florence, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,880 (100%) |
| Owner Occupied HU | 1,984 (68.9%) |
| Renter Occupied HU | 669 (23.2%) |
| Vacant Housing Units | 227 ( 7.9%) |
| Median Home Value | $253,135 |
| Average Home Value | $306,033 |
Housing Distribution
Address Breakdown
Residential
2,570
Single Family
2,562
Multi-Family
8
Businesses
247
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices