804 & 812 W Cedar CtFruitaCO81521
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 1.7% gross rental yield, 804 & 812 W Cedar Ct, Fruita, CO, 81521 in Fruita is priced for capital growth, not immediate cash flow. The $1,290,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $356,403 by year five, with $11,881/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.32) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $121,118.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.7% | 6.0% |
| Monthly Cash Flow | $(5,687) | $500 |
City averages based on Fruita market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,831 |
| Total Monthly Debt Service | $7,005 |
| DSCR Ratio | 0.26x |
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.
Multi Family
Built in 1995
8,276 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
Multi Family
Built in 1995
8,276 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