870 N Dolores RdCortezCO81321
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 870 N Dolores Rd, Cortez, CO, 81321 in Cortez at $475,000. Rental yield 6.75%. The 6.75% yield and 1.25 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $131,234 by year five, and $4,375/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $173,042.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 6.2% |
| Monthly Cash Flow | $(98) | $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 | $2,670 |
| Total Monthly Debt Service | $2,579 |
| DSCR Ratio | 1.04x |
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 1958
1.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81321, Cortez, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,811 (100%) |
| Owner Occupied HU | 4,225 (62.0%) |
| Renter Occupied HU | 2,071 (30.4%) |
| Vacant Housing Units | 515 ( 7.6%) |
| Median Home Value | $352,406 |
| Average Home Value | $399,434 |
Housing Distribution
Address Breakdown
Residential
5,913
Single Family
5,715
Multi-Family
198
Businesses
752
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 1958
1.03 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 81321, Cortez, CO area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,811 (100%) |
| Owner Occupied HU | 4,225 (62.0%) |
| Renter Occupied HU | 2,071 (30.4%) |
| Vacant Housing Units | 515 ( 7.6%) |
| Median Home Value | $352,406 |
| Average Home Value | $399,434 |
Housing Distribution
Address Breakdown
Residential
5,913
Single Family
5,715
Multi-Family
198
Businesses
752
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices