Pays for itselfFits 3 partner lending programs

102 3rd St, Lot 2, Berthoud, CO 80513

Berthoud, CO 80513 · 4 bd · 2 ba · 1,758 sqft · Single Family · 71 days on market

The math, in full

Asking price
$449,900
Down payment (15%)
$67,485
Loan amount
$382,415
Est. monthly rent
$3,249/mo
Range $2,762–$3,736/mo
Monthly payment, all-in
$3,021/mo
Mortgage + taxes + insurance (PITIA)
Cashflow ratio (DSCR)
1.08
$3,249 rent ÷ $3,021 payment
Monthly cashflow
+$228/mo
What's left after the payment

Where the rent number comes from

Median asking rent for 4-bedroom homes in zip 80513, from current market comps — not a per-property guess. High confidence — plenty of comparable rentals in this zip.

Cash to start

$67,485

15% down on $449,900

Clayhouse Mortgage — ColoradoYour local lender
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No credit pull. No obligation. A loan officer confirms real terms within one business day.

  • Screened against real lending criteria — this one fits 3 programs.
  • Qualifies on the property's rent — no W-2 or tax returns.
  • Listing data verified as of June 8, 2026.

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Rent, payment, and cashflow figures are estimates based on current market data and business-purpose investment-loan criteria, for non-owner-occupied property. Not a commitment to lend, not financial advice, and not an offer of any specific loan or property. Listing data may change; properties may sell. All terms confirmed by a loan officer and subject to underwriting and appraisal.