674 State Highway 518MoraNM87732
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 674 State Highway 518, Mora, NM, 87732 in Mora at $325,000, 5.17% gross yield, is a market-growth asset. Rental yield 5.17%. The $1,400/mo rent partially funds the $1,541/mo debt service; the core return is the 5%/yr price growth projected to add $89,792 over five years. Ziffy Mortgage's DSCR mortgage (0.91) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $84,041.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 6.2% |
| Monthly Cash Flow | $(507) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
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 | $1,400 |
| Total Monthly Debt Service | $1,858 |
| DSCR Ratio | 0.75x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1977
5.42 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87732, Mora, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,397 (100%) |
| Owner Occupied HU | 791 (56.6%) |
| Renter Occupied HU | 112 ( 8.0%) |
| Vacant Housing Units | 494 (35.4%) |
| Median Home Value | $173,929 |
| Average Home Value | $211,839 |
Housing Distribution
Address Breakdown
Residential
99
Single Family
99
Multi-Family
0
Businesses
71
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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
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Listed by: N/A • N/A
Mls Name: New Mexico MLS
Mls Provider:
Mls ID: #26001257
