900 S Oak StreetCortezCO81321
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow900 S Oak Street, Cortez, CO, 81321 in Cortez is a top-tier cash-flow asset. At $149,000 it produces $2,455/mo in rent and $1,587/mo in net monthly income, a 19.77% gross rental yield. The DSCR of 3.66 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $19,042. Five-year appreciation adds $41,166, driving a total cumulative return of $158,368.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 19.8% | 6.0% |
| Monthly Cash Flow | $1,587 | $300 |
City averages based on Cortez market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,455 |
| Total Monthly Debt Service | $809 |
| DSCR Ratio | 3.03x |
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 2008
1.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81321, Cortez, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,811 (100%) |
| Owner Occupied HU | 4,225 (62.0%) |
| Renter Occupied HU | 2,071 (30.4%) |
| Vacant Housing Units | 515 ( 7.6%) |
| Median Home Value | $352,406 |
| Average Home Value | $399,434 |
Housing Distribution
Address Breakdown
Residential
5,913
Single Family
5,715
Multi-Family
198
Businesses
752
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 2008
1.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81321, Cortez, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,811 (100%) |
| Owner Occupied HU | 4,225 (62.0%) |
| Renter Occupied HU | 2,071 (30.4%) |
| Vacant Housing Units | 515 ( 7.6%) |
| Median Home Value | $352,406 |
| Average Home Value | $399,434 |
Housing Distribution
Address Breakdown
Residential
5,913
Single Family
5,715
Multi-Family
198
Businesses
752
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jamie Goodvin • JPAR Modern Real Estate
Mls Name: REcolorado
Mls Provider:
Mls ID: #6058052
Disclaimer: 2025 REcolorado All rights reserved. Certain information contained herein is derived from information which is the licensed property of, and copyrighted by, REcolorado. [Click here for more information](/mls-disclaimers/#17059)