528 97th AveGreeleyCO80634
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 528 97th Ave, Greeley, CO, 80634 in Greeley is narrow, $121/mo net on $2,842/mo rent after the $2,041/mo debt service, but the property operates at break-even-plus, not a loss. At $453,990 with a 7.51% yield, the long-run equity case via 5% appreciation ($125,429 over five years) and $4,181/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.39 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $179,606.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 5.2% |
| Monthly Cash Flow | $121 | $850 |
City averages based on Greeley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,842 |
| Total Monthly Debt Service | $2,540 |
| DSCR Ratio | 1.12x |
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 2025
4,200 sqft lot
$N/A/sqft
$75 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80634, Greeley, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 30,099 (100%) |
| Owner Occupied HU | 18,674 (62.0%) |
| Renter Occupied HU | 9,546 (31.7%) |
| Vacant Housing Units | 1,879 ( 6.2%) |
| Median Home Value | $470,524 |
| Average Home Value | $525,589 |
Housing Distribution
Address Breakdown
Residential
28,283
Single Family
22,998
Multi-Family
5,285
Businesses
1,327
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 2025
4,200 sqft lot
$N/A/sqft
$75 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80634, Greeley, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 30,099 (100%) |
| Owner Occupied HU | 18,674 (62.0%) |
| Renter Occupied HU | 9,546 (31.7%) |
| Vacant Housing Units | 1,879 ( 6.2%) |
| Median Home Value | $470,524 |
| Average Home Value | $525,589 |
Housing Distribution
Address Breakdown
Residential
28,283
Single Family
22,998
Multi-Family
5,285
Businesses
1,327
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Desarey Fajardo • KW Top of the Rockies - Elevate
Mls Name: IRES
Mls Provider:
Mls ID: #1049449
Disclaimer: Based on information submitted to the MLS GRID as of 2026-03-01 00:32:57 PST. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. [Click here for more information](/mls-disclaimers/#71)