281 Candy Kitchen RdRamahNM87357
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 281 Candy Kitchen Rd, Ramah, NM, 87357 in Ramah. At $110,000 it earns $878/mo in rent and distributes $232/mo to the owner after the $495/mo payment, a consistent 9.58% yield. DSCR 1.77 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $30,391 in value; $1,013/yr in principal paydown compounds ownership stake. Total projected return: $56,509.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.6% | 6.2% |
| Monthly Cash Flow | $232 | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $878 |
| Total Monthly Debt Service | $602 |
| DSCR Ratio | 1.46x |
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 1988
23.76 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87357, Pinehill, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 235 (100%) |
| Owner Occupied HU | 124 (52.8%) |
| Renter Occupied HU | 61 (26.0%) |
| Vacant Housing Units | 50 (21.3%) |
| Median Home Value | $125,000 |
| Average Home Value | $193,871 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
21
Nearby investment properties with comparable rents
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 1988
23.76 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87357, Pinehill, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 235 (100%) |
| Owner Occupied HU | 124 (52.8%) |
| Renter Occupied HU | 61 (26.0%) |
| Vacant Housing Units | 50 (21.3%) |
| Median Home Value | $125,000 |
| Average Home Value | $193,871 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
21
Nearby investment properties with comparable rents
Listed by: N/A • N/A
Mls Name: New Mexico MLS
Mls ID: #20263173