7 Calle FloresLa LuzNM88337
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 7 Calle Flores, La Luz, NM, 88337 in La Luz. Rental yield 3.45%. At $375,000 with 3.45% gross yield, current distributions are modest, but the 5% appreciation rate projects $103,606 in new equity by year five, complemented by $3,454/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.64) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $69,512.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 6.2% |
| Monthly Cash Flow | $(1,122) | $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 | $1,079 |
| Total Monthly Debt Service | $2,052 |
| 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.
Single Family
Built in 2019
0.95 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 88337, La Luz, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,203 (100%) |
| Owner Occupied HU | 857 (71.2%) |
| Renter Occupied HU | 163 (13.5%) |
| Vacant Housing Units | 183 (15.2%) |
| Median Home Value | $252,523 |
| Average Home Value | $270,741 |
Housing Distribution
Address Breakdown
Residential
807
Single Family
807
Multi-Family
0
Businesses
68
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 2019
0.95 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 88337, La Luz, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,203 (100%) |
| Owner Occupied HU | 857 (71.2%) |
| Renter Occupied HU | 163 (13.5%) |
| Vacant Housing Units | 183 (15.2%) |
| Median Home Value | $252,523 |
| Average Home Value | $270,741 |
Housing Distribution
Address Breakdown
Residential
807
Single Family
807
Multi-Family
0
Businesses
68
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: OCMLS
Mls ID: #172341