San Jose Trl LOT 4La JaraNM87027
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate San Jose Trl LOT 4, La Jara, NM, 87027 in La Jara. At $325,000 it earns $2,294/mo in rent and distributes $387/mo to the owner after the $1,461/mo payment, a consistent 8.47% yield. DSCR 1.57 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $89,792 in value; $2,993/yr in principal paydown compounds ownership stake. Total projected return: $147,702.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 6.2% |
| Monthly Cash Flow | $387 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $2,294 |
| Total Monthly Debt Service | $1,778 |
| DSCR Ratio | 1.29x |
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 N/A
40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87027, La Jara, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 116 (100%) |
| Owner Occupied HU | 73 (62.9%) |
| Renter Occupied HU | 10 ( 8.6%) |
| Vacant Housing Units | 33 (28.4%) |
| Median Home Value | $405,556 |
| Average Home Value | $390,205 |
Housing Distribution
Address Breakdown
Residential
69
Single Family
69
Multi-Family
0
Businesses
4
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 N/A
40 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87027, La Jara, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 116 (100%) |
| Owner Occupied HU | 73 (62.9%) |
| Renter Occupied HU | 10 ( 8.6%) |
| Vacant Housing Units | 33 (28.4%) |
| Median Home Value | $405,556 |
| Average Home Value | $390,205 |
Housing Distribution
Address Breakdown
Residential
69
Single Family
69
Multi-Family
0
Businesses
4
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A