USDV Capital
Adams County real estate

Adams County

Adams County, Adams County

Median Home Value

$138,305

+0.8%

Est. Cap Rate

3.1%

Based on rent yield × 65%

Vacancy Rate

23.7%

74% owner-occupied

Population

2K

Median income: $55,417

D
32/100Caution

Investment ScoreAdams County

Composite score based on cap rate, rent yield, affordability, occupancy, and appreciation

Cap Rate3.1%
Rent Yield4.7%
Affordability$138,305
Occupancy76.3%
Appreciation0.8%

Adams County Investment Analysis

Adams County is a smaller market (2K residents) with median values at $138,305. With a 3.1% cap rate, Adams County is primarily an appreciation play. Investors here are betting on long-term value growth rather than immediate cash flow. Values are stable with 0.8% annual growth, offering predictable returns without overheating risk.

Market Profile
Avg: 43/100
Cash Flow3.1% cap
Appreciation0.8% YoY
Affordability$138K
Occupancy76.3% occ.
Rent Yield4.7%
Employment100.0%
Price vs. Rent Analysis
Price-to-Rent Ratio21.1x
Cash FlowBalancedAppreciation

Appreciation-driven market — growth potential offsets thinner cash flow

Median Home Value

Zillow ZHVI

$138,305
Median Monthly Rent

Zillow ZORI

$545
Annual Rent
$6,540
Gross Rent Yield

Annual rent ÷ home value

4.7%

Market Details

Housing Stock

1K units

Single-family: 995

Multifamily: 233 (17.4%)

Investment Metrics

Gross Yield 4.7%

Cap Rate 3.1%

Price-to-Rent 21.1 (Favors renting)

Property Tax $1,106/yr

Demographics

Median Income $55,417

Median Age 50.0

Employment 100.0%

Home Value Trends

1-Year Appreciation +0.8%

3-Year Appreciation +1.6%

5-Year Appreciation +4.4%

Rental Market

$545/mo

Renter population: 26.2%

Lending Status

Not Available

$150K – $10M · Business purpose

Data sources: U.S. Census Bureau ACS 2023 5-Year Estimates · Zillow Home Value Index (Feb 2026) · USDV Capital analysis

Community Snapshot
Population2K

2/sq mi

Median Income$55,417

$34,409 per capita

Employment100.0%

2.1% unemployment

Occupancy76.3%

26.2% renters

College Educated20.8%
Median Age: 501K Housing UnitsMedian Built: 1966

Top Cities in Adams County

1 cities by population

CityHome Value
HettingerAdams County$137,735View →
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Property Details

$138,305
$100K$2M
25% ($34,576)
15%50%
7.50%
6%10%
$545

Investment Projection

Monthly Cash Flow

-$353

Cash-on-Cash

-12.3%

DSCR Ratio

0.75

Annual Cash Flow

-$4,238

Monthly P&I: $725 | Est. Expenses: $173

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Adams County Investment Report

Comprehensive county market analysis

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Free Investment Report

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Make data-driven investment decisions with our comprehensive county report, including pricing trends, rental yields, and DSCR loan scenarios.

  • Complete market data & demographics
  • 5-year price appreciation trends
  • Rental yield analysis by property type
  • Investment opportunity score
  • Comparable market benchmarks
  • DSCR loan scenario modeling

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Exclusive Guide

Top 10 Cities in Adams County for DSCR Investment

Our data team analyzed every citie in Adams County to find the best opportunities for cash-flowing DSCR investments.

Ranked by investment potential score
Includes median prices & rental yields
5-year appreciation forecasts

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Top 10 Cities

Adams County | DSCR Investment

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Your Real Estate CFO

We don't work for one lender — we work for you. As your Real Estate CFO, we shop the full institutional market to structure the best capital solution for your Adams County deal. Close in 28 days or we pay you $1,000.

$1.3B+

Transactions Advised

42

States Active

28 Days

Or $1,000 Guarantee

Flexible Financing for Every Deal

All products below are eligible for our 28-day close guarantee.

Bridge Loans

Bridge Loans

Short-term financing for acquisitions, refinancing, or repositioning

  • 12-24 month terms
  • Up to 80% LTV
  • Interest-only payments
  • Flexible prepayment
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Fix & Flip

Fix & Flip

Fast funding for property renovation and resale

  • 6-18 month terms
  • Up to 90% of purchase + rehab
  • Fast closings
  • Interest-only payments
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Ground-Up Construction

Ground-Up Construction

Financing for new development projects from land to completion

  • 12-36 month terms
  • Up to 90% of costs
  • Progress-based draws
  • Interest-only payments
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DSCR Rental

DSCR Rental

Long-term financing for single-family rentals and portfolio acquisitions

  • 5-30 year terms
  • Up to 85% LTV
  • Portfolio options
  • No personal income docs
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Larger Deals

Multifamily & Build-to-Rent

For multifamily and build-to-rent community financing up to $50M, we work directly with institutional capital partners on custom terms. These deals require a consultation — not a form.

Multifamily
Up to $50M

Multifamily

Permanent and bridge financing for apartment buildings and complexes — 5 units and up.

  • Up to $50M
  • 5–30 year terms
  • Up to 80% LTV
  • Bridge and permanent options
  • Interest-only available
Schedule a Consultation
Build-to-Rent Communities
Up to $50M

Build-to-Rent Communities

Institutional financing for single-family rental community developments from land to stabilization.

  • Up to $50M
  • Construction through permanent
  • Community-scale underwriting
  • Progress-based draw schedule
  • Custom closing timeline
Schedule a Consultation

Looking for 1-4 unit investment properties? Check out our standard lending products for DSCR, fix & flip, and bridge loans.

Your Real Estate CFO

We structure, source, and close financing for your investment properties. Let us help you capitalize on Adams County opportunities.

48-Hour

Term Sheet

$150K-$10M

Loan Range

28-Day

Close Guarantee

$1,000 GUARANTEE

If we can't close in 28 days, we pay you $1,000