653 Clermont CirSteamboat SpringsCO80477
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 653 Clermont Cir, Steamboat Springs, CO, 80477 in Steamboat Springs the bet is firmly on appreciation. Rental yield 3.7%. The 3.7% gross yield on a $1,575,000 price is below income-first thresholds, but 5%/yr value growth projects $435,143 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.69) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $280,801.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 6.0% |
| Monthly Cash Flow | $(4,919) | $1,500 |
City averages based on Steamboat Springs 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 | $4,860 |
| Total Monthly Debt Service | $9,152 |
| DSCR Ratio | 0.53x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2015
1,742 sqft lot
$N/A/sqft
$7,200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80477, Steamboat Springs, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | |
| Owner Occupied HU | |
| Renter Occupied HU | |
| Vacant Housing Units | |
| Median Home Value | |
| Average Home Value |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
468
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 2015
1,742 sqft lot
$N/A/sqft
$7,200 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80477, Steamboat Springs, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | |
| Owner Occupied HU | |
| Renter Occupied HU | |
| Vacant Housing Units | |
| Median Home Value | |
| Average Home Value |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
468
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cam Boyd • Steamboat Sotheby's International Realty
Mls Name: Altitude Realtors
Mls Provider:
Mls ID: #S1068603
Disclaimer: Copyright 2026 Altitude Realtors. The information displayed herein was derived from sources believed to be accurate, but has not been verified by Altitude Realtors. Buyers are cautioned to verify all information to their own satisfaction. This information is exclusively for viewers personal, non-commercial use. Any republication or reproduction of the information herein without the express permission of the SAR MLS is strictly prohibited.