737 State Road 76ChimayoNM87522
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThis is a cash-flow-light asset: 737 State Road 76, Chimayo, NM, 87522 in Chimayo, $224,950, 7.68% gross yield, $120/mo net income. Consider it a market-entry position, the $1,440/mo rent covers the $1,012/mo payment with a margin, and 5%/yr appreciation is projected to add $62,150 to the asset's value over five years. Ziffy Mortgage approves DSCR loans (coverage 1.42) for non-U.S. residents without domestic income documentation. Consider a higher down payment to widen the monthly margin. Total projected return: $92,672.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 7.7% | 6.2% |
| Monthly Cash Flow | $120 | $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 | $1,440 |
| Total Monthly Debt Service | $1,231 |
| DSCR Ratio | 1.17x |
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 1996
0.63 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87522, Chimayo, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,908 (100%) |
| Owner Occupied HU | 1,444 (75.7%) |
| Renter Occupied HU | 236 (12.4%) |
| Vacant Housing Units | 228 (11.9%) |
| Median Home Value | $262,698 |
| Average Home Value | $284,060 |
Housing Distribution
Address Breakdown
Residential
226
Single Family
226
Multi-Family
0
Businesses
35
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 1996
0.63 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 87522, Chimayo, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,908 (100%) |
| Owner Occupied HU | 1,444 (75.7%) |
| Renter Occupied HU | 236 (12.4%) |
| Vacant Housing Units | 228 (11.9%) |
| Median Home Value | $262,698 |
| Average Home Value | $284,060 |
Housing Distribution
Address Breakdown
Residential
226
Single Family
226
Multi-Family
0
Businesses
35
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: SFARMLS
Mls ID: #202602849