718 E 4th StDeltaCO81416
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.69% gross rental yield, 718 E 4th St, Delta, CO, 81416 in Delta is priced for capital growth, not immediate cash flow. The $499,900 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $138,113 by year five, with $4,604/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.05) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $153,834.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.7% | 5.2% |
| Monthly Cash Flow | $(543) | $300 |
City averages based on Delta market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,370 |
| Total Monthly Debt Service | $2,714 |
| DSCR Ratio | 0.87x |
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 1900
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81416, Delta, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,190 (100%) |
| Owner Occupied HU | 3,990 (64.5%) |
| Renter Occupied HU | 1,766 (28.5%) |
| Vacant Housing Units | 434 ( 7.0%) |
| Median Home Value | $353,707 |
| Average Home Value | $437,196 |
Housing Distribution
Address Breakdown
Residential
5,770
Single Family
5,611
Multi-Family
159
Businesses
631
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 1900
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81416, Delta, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,190 (100%) |
| Owner Occupied HU | 3,990 (64.5%) |
| Renter Occupied HU | 1,766 (28.5%) |
| Vacant Housing Units | 434 ( 7.0%) |
| Median Home Value | $353,707 |
| Average Home Value | $437,196 |
Housing Distribution
Address Breakdown
Residential
5,770
Single Family
5,611
Multi-Family
159
Businesses
631
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kimberly Havens • HomeSmart Realty Partners
Mls Name: CREN
Mls Provider:
Mls ID: #820438
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.