992 Graham StLas CrucesNM88001
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 992 Graham St, Las Cruces, NM, 88001 in Las Cruces. At $191,000 it earns $1,555/mo in rent and distributes $434/mo to the owner after the $859/mo payment, a consistent 9.77% yield. DSCR 1.81 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $52,770 in value; $1,759/yr in principal paydown compounds ownership stake. Total projected return: $100,075.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 9.8% | 6.2% |
| Monthly Cash Flow | $434 | $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 | $1,555 |
| Total Monthly Debt Service | $1,045 |
| DSCR Ratio | 1.49x |
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.
Townhouse
Built in 1983
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 88001, Las Cruces, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,722 (100%) |
| Owner Occupied HU | 6,558 (39.2%) |
| Renter Occupied HU | 8,475 (50.7%) |
| Vacant Housing Units | 1,689 (10.1%) |
| Median Home Value | $165,979 |
| Average Home Value | $212,782 |
Housing Distribution
Address Breakdown
Residential
14,579
Single Family
13,463
Multi-Family
1,116
Businesses
1,301
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
Townhouse
Built in 1983
4,791 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 88001, Las Cruces, NM area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,722 (100%) |
| Owner Occupied HU | 6,558 (39.2%) |
| Renter Occupied HU | 8,475 (50.7%) |
| Vacant Housing Units | 1,689 (10.1%) |
| Median Home Value | $165,979 |
| Average Home Value | $212,782 |
Housing Distribution
Address Breakdown
Residential
14,579
Single Family
13,463
Multi-Family
1,116
Businesses
1,301
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: SNMMLS as distributed by MLS GRID
Mls ID: #2602079