HARMONY Plan, Settlers CrossingCommerce CityCO80022
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at HARMONY Plan, Settlers Crossing, Commerce City, CO, 80022 in Commerce City is narrow, $70/mo net on $3,036/mo rent after the $2,289/mo debt service, but the property operates at break-even-plus, not a loss. At $508,990 with a 7.16% yield, the long-run equity case via 5% appreciation ($140,625 over five years) and $4,688/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.33 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $196,659.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 5.2% |
| Monthly Cash Flow | $70 | $850 |
City averages based on Commerce City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,036 |
| Total Monthly Debt Service | $2,764 |
| 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.
Multi Family
Built in 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80022, Commerce City, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,174 (100%) |
| Owner Occupied HU | 15,814 (71.3%) |
| Renter Occupied HU | 5,505 (24.8%) |
| Vacant Housing Units | 855 ( 3.9%) |
| Median Home Value | $553,440 |
| Average Home Value | $562,715 |
Housing Distribution
Address Breakdown
Residential
20,938
Single Family
19,790
Multi-Family
1,148
Businesses
1,484
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 2026
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 80022, Commerce City, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,174 (100%) |
| Owner Occupied HU | 15,814 (71.3%) |
| Renter Occupied HU | 5,505 (24.8%) |
| Vacant Housing Units | 855 ( 3.9%) |
| Median Home Value | $553,440 |
| Average Home Value | $562,715 |
Housing Distribution
Address Breakdown
Residential
20,938
Single Family
19,790
Multi-Family
1,148
Businesses
1,484
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • D.R. Horton
Mls Name: DR Horton
Mls Provider:
Mls ID: #N/A