55 Westwood Place #A-1DurangoCO81301
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 55 Westwood Place #A-1, Durango, CO, 81301 in Durango is narrow, $65/mo net on $3,416/mo rent after the $2,726/mo debt service, but the property operates at break-even-plus, not a loss. At $575,000 with a 7.13% yield, the long-run equity case via 5% appreciation ($158,862 over five years) and $4,820/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.25 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $210,511.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.1% | 6.2% |
| Monthly Cash Flow | $65 | $300 |
City averages based on Durango 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 | $3,416 |
| Total Monthly Debt Service | $3,262 |
| DSCR Ratio | 1.05x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in 2007
871.20 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81301, Durango, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,325 (100%) |
| Owner Occupied HU | 8,304 (47.9%) |
| Renter Occupied HU | 5,706 (32.9%) |
| Vacant Housing Units | 3,315 (19.1%) |
| Median Home Value | $715,239 |
| Average Home Value | $792,766 |
Housing Distribution
Address Breakdown
Residential
14,982
Single Family
14,372
Multi-Family
610
Businesses
1,520
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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
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