496 County RdLa JaraNM87027
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 496 County Rd, La Jara, NM, 87027 in La Jara fits: $340,000, 4.13% gross yield, and a projected 5% annual appreciation rate adding $93,936 in value within five years. Rental yield 4.13%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.77) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $3,131/yr in principal paydown and $93,936 in appreciation project a total return of $75,335.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.2% |
| Monthly Cash Flow | $(826) | $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 | $1,170 |
| Total Monthly Debt Service | $1,860 |
| DSCR Ratio | 0.63x |
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 1983
1.43 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 1983
1.43 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: SWMLS
Mls ID: #1104976