545 County Road 16GunnisonCO81230
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingReliable and efficiently structured, 545 County Road 16, Gunnison, CO, 81230 in Gunnison is a conservative rental investment at $650,000. Rental yield 6.3%. A 1.17 coverage ratio meets Ziffy Mortgage's DSCR standard for foreign-national financing. Five-year equity: 5% appreciation adds $179,583; $5,987/yr in principal paydown supplements. Total projected return: $221,459.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.3% | 6.0% |
| Monthly Cash Flow | $(373) | $1,200 |
City averages based on Gunnison market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,415 |
| Total Monthly Debt Service | $3,529 |
| DSCR Ratio | 0.97x |
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 1979
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81230, Gunnison, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,081 (100%) |
| Owner Occupied HU | 2,748 (45.2%) |
| Renter Occupied HU | 1,962 (32.3%) |
| Vacant Housing Units | 1,371 (22.5%) |
| Median Home Value | $568,381 |
| Average Home Value | $626,074 |
Housing Distribution
Address Breakdown
Residential
4,932
Single Family
4,726
Multi-Family
206
Businesses
746
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 1979
0.75 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81230, Gunnison, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,081 (100%) |
| Owner Occupied HU | 2,748 (45.2%) |
| Renter Occupied HU | 1,962 (32.3%) |
| Vacant Housing Units | 1,371 (22.5%) |
| Median Home Value | $568,381 |
| Average Home Value | $626,074 |
Housing Distribution
Address Breakdown
Residential
4,932
Single Family
4,726
Multi-Family
206
Businesses
746
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices