926 Montbello AvenueFort LuptonCO80621
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 926 Montbello Avenue, Fort Lupton, CO, 80621 in Fort Lupton at $444,900 earns $2,797/mo in rent and nets $69/mo after the $2,001/mo payment, a 7.54% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $122,918 over five years. Ziffy Mortgage underwrites this on a 1.40 DSCR without U.S. credit history. With $4,098/yr in principal paydown, total projected return reaches $173,022.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 8.2% |
| Monthly Cash Flow | $69 | $300 |
City averages based on Fort Lupton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,797 |
| Total Monthly Debt Service | $2,551 |
| DSCR Ratio | 1.10x |
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.
Townhouse
Built in 2025
2,148 sqft lot
$N/A/sqft
$135 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80621, Fort Lupton, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,625 (100%) |
| Owner Occupied HU | 4,243 (75.4%) |
| Renter Occupied HU | 1,214 (21.6%) |
| Vacant Housing Units | 168 ( 3.0%) |
| Median Home Value | $468,879 |
| Average Home Value | $534,785 |
Housing Distribution
Address Breakdown
Residential
5,306
Single Family
5,080
Multi-Family
226
Businesses
476
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
Townhouse
Built in 2025
2,148 sqft lot
$N/A/sqft
$135 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80621, Fort Lupton, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,625 (100%) |
| Owner Occupied HU | 4,243 (75.4%) |
| Renter Occupied HU | 1,214 (21.6%) |
| Vacant Housing Units | 168 ( 3.0%) |
| Median Home Value | $468,879 |
| Average Home Value | $534,785 |
Housing Distribution
Address Breakdown
Residential
5,306
Single Family
5,080
Multi-Family
226
Businesses
476
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kevin Wolf • LGI Realty - Colorado, LLC
Mls Name: REcolorado
Mls Provider:
Mls ID: #2218367
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