526 Emerson StWrayCO80758
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 526 Emerson St, Wray, CO, 80758 in Wray. At $150,000 it earns $1,166/mo in rent and distributes $292/mo to the owner after the $674/mo payment, a consistent 9.33% yield. DSCR 1.73 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $41,442 in value; $1,382/yr in principal paydown compounds ownership stake. Total projected return: $75,452.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 8.0% |
| Monthly Cash Flow | $292 | $500 |
City averages based on Wray market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,166 |
| Total Monthly Debt Service | $814 |
| DSCR Ratio | 1.43x |
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 1920
7,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80758, Wray, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,685 (100%) |
| Owner Occupied HU | 971 (57.6%) |
| Renter Occupied HU | 526 (31.2%) |
| Vacant Housing Units | 188 (11.2%) |
| Median Home Value | $295,958 |
| Average Home Value | $361,133 |
Housing Distribution
Address Breakdown
Residential
1,533
Single Family
1,532
Multi-Family
1
Businesses
244
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 1920
7,000 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80758, Wray, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,685 (100%) |
| Owner Occupied HU | 971 (57.6%) |
| Renter Occupied HU | 526 (31.2%) |
| Vacant Housing Units | 188 (11.2%) |
| Median Home Value | $295,958 |
| Average Home Value | $361,133 |
Housing Distribution
Address Breakdown
Residential
1,533
Single Family
1,532
Multi-Family
1
Businesses
244
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Robin Renzelman • RLR Property & Management LLC
Mls Name: IRES
Mls Provider:
Mls ID: #1038065
Disclaimer: Information source: Information and Real Estate Services, LLC. Provided for limited non-commercial use only under IRES Rules Copyright IRES. Listing information is provided exclusively 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. Information deemed reliable but not guaranteed by the MLS.