611 W 4th StLa JuntaCO81050
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 611 W 4th St, La Junta, CO, 81050 in La Junta at $189,000 earns $1,200/mo in rent and nets $99/mo after the $850/mo payment, a 7.62% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $52,217 over five years. Ziffy Mortgage underwrites this on a 1.41 DSCR without U.S. credit history. With $1,741/yr in principal paydown, total projected return reaches $77,711.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 8.0% |
| Monthly Cash Flow | $99 | $150 |
City averages based on La Junta market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,200 |
| Total Monthly Debt Service | $1,026 |
| DSCR Ratio | 1.17x |
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 1976
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81050, La Junta, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,499 (100%) |
| Owner Occupied HU | 2,391 (53.1%) |
| Renter Occupied HU | 1,555 (34.6%) |
| Vacant Housing Units | 553 (12.3%) |
| Median Home Value | $211,613 |
| Average Home Value | $242,029 |
Housing Distribution
Address Breakdown
Residential
4,164
Single Family
4,028
Multi-Family
136
Businesses
509
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 1976
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81050, La Junta, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,499 (100%) |
| Owner Occupied HU | 2,391 (53.1%) |
| Renter Occupied HU | 1,555 (34.6%) |
| Vacant Housing Units | 553 (12.3%) |
| Median Home Value | $211,613 |
| Average Home Value | $242,029 |
Housing Distribution
Address Breakdown
Residential
4,164
Single Family
4,028
Multi-Family
136
Businesses
509
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices