101 Montgomery StIdaho CityID83631
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play101 Montgomery St, Idaho City, ID, 83631 in Idaho City is priced for appreciation, not yield. Rental yield 2.43%. At $699,000 with a 2.43% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $193,121 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.45) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $96,009.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.4% | 6.0% |
| Monthly Cash Flow | $(2,608) | $400 |
City averages based on Idaho City market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,414 |
| Total Monthly Debt Service | $3,743 |
| DSCR Ratio | 0.38x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Multi Family
Built in 1990
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83631, Idaho City, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 834 (100%) |
| Owner Occupied HU | 452 (54.2%) |
| Renter Occupied HU | 92 (11.0%) |
| Vacant Housing Units | 290 (34.8%) |
| Median Home Value | $506,881 |
| Average Home Value | $550,597 |
Housing Distribution
Address Breakdown
Residential
324
Single Family
324
Multi-Family
0
Businesses
68
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
Multi Family
Built in 1990
0.31 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83631, Idaho City, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 834 (100%) |
| Owner Occupied HU | 452 (54.2%) |
| Renter Occupied HU | 92 (11.0%) |
| Vacant Housing Units | 290 (34.8%) |
| Median Home Value | $506,881 |
| Average Home Value | $550,597 |
Housing Distribution
Address Breakdown
Residential
324
Single Family
324
Multi-Family
0
Businesses
68
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: IMLS
Mls ID: #98975840