3793 Spanish Oaks TrailCastle RockCO80108
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.91% gross rental yield, 3793 Spanish Oaks Trail, Castle Rock, CO, 80108 in Castle Rock is priced for capital growth, not immediate cash flow. The $919,900 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $254,151 by year five, with $8,472/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.09) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $279,223.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 5.9% | 6.2% |
| Monthly Cash Flow | $(1,076) | $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 | $4,528 |
| Total Monthly Debt Service | $5,238 |
| DSCR Ratio | 0.86x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2016
8,930 sqft lot
$N/A/sqft
$1,148 annually HOA
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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 2016
8,930 sqft lot
$N/A/sqft
$1,148 annually HOA
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Allie Whitworth • RE/MAX Professionals
Mls Name: REcolorado as distributed by MLS GRID
Mls Provider:
Mls ID: #7302563
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