7th StChamaNM87520
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 7th St, Chama, NM, 87520 in Chama is capital appreciation. Rental yield 0%. The 0% gross yield at $280,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $77,359 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.00) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $25.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 0% | 6.2% |
| Monthly Cash Flow | $0 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
Single Family
Built in 1970
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87520, Chama, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 647 (100%) |
| Owner Occupied HU | 384 (59.4%) |
| Renter Occupied HU | 96 (14.8%) |
| Vacant Housing Units | 167 (25.8%) |
| Median Home Value | $258,333 |
| Average Home Value | $467,337 |
Housing Distribution
Address Breakdown
Residential
195
Single Family
195
Multi-Family
0
Businesses
110
Nearby investment properties with comparable rents
No similar rental properties found nearby.
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 1970
7,405 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87520, Chama, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 647 (100%) |
| Owner Occupied HU | 384 (59.4%) |
| Renter Occupied HU | 96 (14.8%) |
| Vacant Housing Units | 167 (25.8%) |
| Median Home Value | $258,333 |
| Average Home Value | $467,337 |
Housing Distribution
Address Breakdown
Residential
195
Single Family
195
Multi-Family
0
Businesses
110
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices
Listed by: Lauren Mueller-Skinner • Coldwell Banker Legacy
Mls Name: SWMLS
Mls Provider:
Mls ID: #1082659
Disclaimer: Some of the information contained herein has been provided by Southwest Multiple Listing Service, Inc. (SWMLS) This information is from sources deemed reliable but not guaranteed by SWMLS. The information is for consumers personal, non-commerical use and may not be used for any purpose other than identifying properties which consumers may be interested in purchasing.