5537 State Highway 12 #3La VetaCO81055
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowTight but positive: 5537 State Highway 12 #3, La Veta, CO, 81055 in La Veta at $149,900 earns $1,411/mo in rent and nets $193/mo after the $674/mo payment, a 11.3% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $41,415 over five years. Ziffy Mortgage underwrites this on a 2.09 DSCR without U.S. credit history. With $1,381/yr in principal paydown, total projected return reaches $91,223.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 8.0% |
| Monthly Cash Flow | $193 | $1,200 |
City averages based on La Veta market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,411 |
| Total Monthly Debt Service | $814 |
| DSCR Ratio | 1.73x |
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.
Townhouse
Built in 1983
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81055, La Veta, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,555 (100%) |
| Owner Occupied HU | 594 (38.2%) |
| Renter Occupied HU | 184 (11.8%) |
| Vacant Housing Units | 777 (50.0%) |
| Median Home Value | $487,313 |
| Average Home Value | $654,802 |
Housing Distribution
Address Breakdown
Residential
260
Single Family
260
Multi-Family
0
Businesses
96
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
Townhouse
Built in 1983
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81055, La Veta, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,555 (100%) |
| Owner Occupied HU | 594 (38.2%) |
| Renter Occupied HU | 184 (11.8%) |
| Vacant Housing Units | 777 (50.0%) |
| Median Home Value | $487,313 |
| Average Home Value | $654,802 |
Housing Distribution
Address Breakdown
Residential
260
Single Family
260
Multi-Family
0
Businesses
96
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices