Congaree Plan, Spring ValleyLongmontCO80504
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, Congaree Plan, Spring Valley, Longmont, CO, 80504 in Longmont earns a 8.29% gross yield at $415,950. Rent of $2,874/mo nets $275/mo after the $1,870/mo mortgage. The 1.54 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $114,919 and $3,831/yr in equity accumulation project a total cumulative return of $175,551.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 5.5% |
| Monthly Cash Flow | $275 | $250 |
City averages based on Longmont market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,874 |
| Total Monthly Debt Service | $2,434 |
| DSCR Ratio | 1.18x |
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 2026
N/A lot
$N/A/sqft
$175 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80504, Longmont, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,861 (100%) |
| Owner Occupied HU | 18,264 (70.6%) |
| Renter Occupied HU | 6,346 (24.5%) |
| Vacant Housing Units | 1,251 ( 4.8%) |
| Median Home Value | $627,380 |
| Average Home Value | $693,936 |
Housing Distribution
Address Breakdown
Residential
24,236
Single Family
21,852
Multi-Family
2,384
Businesses
987
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 2026
N/A lot
$N/A/sqft
$175 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80504, Longmont, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 25,861 (100%) |
| Owner Occupied HU | 18,264 (70.6%) |
| Renter Occupied HU | 6,346 (24.5%) |
| Vacant Housing Units | 1,251 ( 4.8%) |
| Median Home Value | $627,380 |
| Average Home Value | $693,936 |
Housing Distribution
Address Breakdown
Residential
24,236
Single Family
21,852
Multi-Family
2,384
Businesses
987
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
