607 Union Hall LnEspanolaNM87532
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow607 Union Hall Ln, Espanola, NM, 87532 in Espanola is a top-tier cash-flow asset. At $215,000 it produces $3,000/mo in rent and $1,738/mo in net monthly income, a 16.74% gross rental yield. The DSCR of 3.10 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $20,857. Five-year appreciation adds $59,401, driving a total cumulative return of $193,096.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 16.7% | 6.2% |
| Monthly Cash Flow | $1,738 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $3,000 |
| Total Monthly Debt Service | $1,176 |
| DSCR Ratio | 2.55x |
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.
Manufactured
Built in 2010
0.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87532, Espanola, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,733 (100%) |
| Owner Occupied HU | 5,775 (66.1%) |
| Renter Occupied HU | 2,181 (25.0%) |
| Vacant Housing Units | 777 ( 8.9%) |
| Median Home Value | $277,277 |
| Average Home Value | $313,276 |
Housing Distribution
Address Breakdown
Residential
4,070
Single Family
3,956
Multi-Family
114
Businesses
449
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
Manufactured
Built in 2010
0.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87532, Espanola, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,733 (100%) |
| Owner Occupied HU | 5,775 (66.1%) |
| Renter Occupied HU | 2,181 (25.0%) |
| Vacant Housing Units | 777 ( 8.9%) |
| Median Home Value | $277,277 |
| Average Home Value | $313,276 |
Housing Distribution
Address Breakdown
Residential
4,070
Single Family
3,956
Multi-Family
114
Businesses
449
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: LyAnn N. Vigil • Keller Williams Realty
Mls Name: SFARMLS
Mls ID: #202503125