621 E 5th StDeltaCO81416
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 621 E 5th St, Delta, CO, 81416 in Delta: $2,239/mo in rent, $345/mo in net income, 8.27% gross yield, 1.53 DSCR, all at $325,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $89,792 in appreciation and $2,993/yr in principal paydown projects total cumulative return of $144,942.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.2% |
| Monthly Cash Flow | $345 | $300 |
City averages based on Delta market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,239 |
| Total Monthly Debt Service | $1,765 |
| DSCR Ratio | 1.27x |
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 1920
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81416, Delta, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,190 (100%) |
| Owner Occupied HU | 3,990 (64.5%) |
| Renter Occupied HU | 1,766 (28.5%) |
| Vacant Housing Units | 434 ( 7.0%) |
| Median Home Value | $353,707 |
| Average Home Value | $437,196 |
Housing Distribution
Address Breakdown
Residential
5,770
Single Family
5,611
Multi-Family
159
Businesses
631
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 1920
0.28 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81416, Delta, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,190 (100%) |
| Owner Occupied HU | 3,990 (64.5%) |
| Renter Occupied HU | 1,766 (28.5%) |
| Vacant Housing Units | 434 ( 7.0%) |
| Median Home Value | $353,707 |
| Average Home Value | $437,196 |
Housing Distribution
Address Breakdown
Residential
5,770
Single Family
5,611
Multi-Family
159
Businesses
631
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rhonda Bever • Coldwell Banker Distinctive Properties
Mls Name: CREN
Mls Provider:
Mls ID: #820650
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.