814 Raton AveLa JuntaCO81050
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 814 Raton Ave, La Junta, CO, 81050 in La Junta at $414,900, 3.47% gross yield, is a market-growth asset. Rental yield 3.47%. The $1,200/mo rent partially funds the $1,866/mo debt service; the core return is the 5%/yr price growth projected to add $114,629 over five years. Ziffy Mortgage's DSCR mortgage (0.64) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $78,270.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.5% | 8.0% |
| Monthly Cash Flow | $(1,218) | $150 |
City averages based on La Junta market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,200 |
| Total Monthly Debt Service | $2,253 |
| DSCR Ratio | 0.53x |
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 1906
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81050, La Junta, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,499 (100%) |
| Owner Occupied HU | 2,391 (53.1%) |
| Renter Occupied HU | 1,555 (34.6%) |
| Vacant Housing Units | 553 (12.3%) |
| Median Home Value | $211,613 |
| Average Home Value | $242,029 |
Housing Distribution
Address Breakdown
Residential
4,164
Single Family
4,028
Multi-Family
136
Businesses
509
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 1906
0.26 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81050, La Junta, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,499 (100%) |
| Owner Occupied HU | 2,391 (53.1%) |
| Renter Occupied HU | 1,555 (34.6%) |
| Vacant Housing Units | 553 (12.3%) |
| Median Home Value | $211,613 |
| Average Home Value | $242,029 |
Housing Distribution
Address Breakdown
Residential
4,164
Single Family
4,028
Multi-Family
136
Businesses
509
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Beth Howe • Great Plains Land Company, LLC
Mls Name: PAR
Mls Provider:
Mls ID: #233115
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.