774 Comstock DrFruitaCO81521
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 774 Comstock Dr, Fruita, CO, 81521 in Fruita is narrow, $150/mo net on $2,993/mo rent after the $2,180/mo debt service, but the property operates at break-even-plus, not a loss. At $484,900 with a 7.41% yield, the long-run equity case via 5% appreciation ($133,969 over five years) and $4,466/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.37 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $193,909.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.0% |
| Monthly Cash Flow | $150 | $500 |
City averages based on Fruita market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,993 |
| Total Monthly Debt Service | $2,633 |
| DSCR Ratio | 1.14x |
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 2003
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81521, Fruita, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,152 (100%) |
| Owner Occupied HU | 5,360 (74.9%) |
| Renter Occupied HU | 1,427 (20.0%) |
| Vacant Housing Units | 365 ( 5.1%) |
| Median Home Value | $440,246 |
| Average Home Value | $521,174 |
Housing Distribution
Address Breakdown
Residential
6,855
Single Family
6,626
Multi-Family
229
Businesses
465
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 2003
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81521, Fruita, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,152 (100%) |
| Owner Occupied HU | 5,360 (74.9%) |
| Renter Occupied HU | 1,427 (20.0%) |
| Vacant Housing Units | 365 ( 5.1%) |
| Median Home Value | $440,246 |
| Average Home Value | $521,174 |
Housing Distribution
Address Breakdown
Residential
6,855
Single Family
6,626
Multi-Family
229
Businesses
465
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices