7 CieloRociadaNM87742
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 8.8% yield at 7 Cielo, Rociada, NM, 87742 in Rociada is solid, but the $1,650/mo payment compresses net cash flow to $198/mo at $348,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $96,146 by year five, and $2,917/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.55) without U.S. income documentation. Total projected return: $157,689.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.2% |
| Monthly Cash Flow | $198 | $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 | $2,552 |
| Total Monthly Debt Service | $1,989 |
| DSCR Ratio | 1.28x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2009
0.54 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87742, Rociada, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 413 (100%) |
| Owner Occupied HU | 169 (40.9%) |
| Renter Occupied HU | 18 ( 4.4%) |
| Vacant Housing Units | 226 (54.7%) |
| Median Home Value | $295,000 |
| Average Home Value | $314,068 |
Housing Distribution
Address Breakdown
Residential
97
Single Family
97
Multi-Family
0
Businesses
11
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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: Enchanted Circle
Mls Provider:
Mls ID: #114956
