7 Loretto TrlLamyNM87540
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity Builder7 Loretto Trl, Lamy, NM, 87540 in Lamy is a solid income-producing rental, 7.85% gross yield, $6,000/mo rent, $541/mo net cash flow on a $917,000 buy. DSCR 1.46 qualifies the property for Ziffy Mortgage's financing without personal income documentation. Five-year appreciation of $253,350 and $8,446/yr in principal reduction project a total cumulative return of $381,627.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.2% |
| Monthly Cash Flow | $541 | $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 | $6,000 |
| Total Monthly Debt Service | $5,094 |
| DSCR Ratio | 1.18x |
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 2021
3.56 Acres lot
$N/A/sqft
$650 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87540, Lamy, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 623 (100%) |
| Owner Occupied HU | 474 (76.1%) |
| Renter Occupied HU | 76 (12.2%) |
| Vacant Housing Units | 73 (11.7%) |
| Median Home Value | $664,402 |
| Average Home Value | $712,257 |
Housing Distribution
Address Breakdown
Residential
580
Single Family
580
Multi-Family
0
Businesses
26
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 2021
3.56 Acres lot
$N/A/sqft
$650 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87540, Lamy, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 623 (100%) |
| Owner Occupied HU | 474 (76.1%) |
| Renter Occupied HU | 76 (12.2%) |
| Vacant Housing Units | 73 (11.7%) |
| Median Home Value | $664,402 |
| Average Home Value | $712,257 |
Housing Distribution
Address Breakdown
Residential
580
Single Family
580
Multi-Family
0
Businesses
26
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Johanna Fisher • Keller Williams Realty
Mls Name: SFARMLS
Mls Provider:
Mls ID: #202501482
Disclaimer: The data relating to real estate for sale in this web site comes in part from the Internet Data exchange (IDX) program of SFAR MLS, Inc. Real estate listings held by brokers other than Zillow, Inc. are marked with the IDX Logo. All data in this web site is deemed reliable but is not guaranteed.