1010 S 11th StChallisID83226
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 1010 S 11th St, Challis, ID, 83226 in Challis deserves attention. This $345,000 property earns $3,138/mo in rent, a 10.91% gross yield, and nets $1,153/mo after the $1,635/mo payment. DSCR 1.92 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $95,317 compounds alongside $2,892/yr in yearly equity build, for a total cumulative return of $197,925.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 10.9% | 6.2% |
| Monthly Cash Flow | $1,153 | $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 | $3,138 |
| Total Monthly Debt Service | $1,932 |
| DSCR Ratio | 1.62x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1981
0.45 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83226, Challis, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,408 (100%) |
| Owner Occupied HU | 902 (64.1%) |
| Renter Occupied HU | 227 (16.1%) |
| Vacant Housing Units | 279 (19.8%) |
| Median Home Value | $326,519 |
| Average Home Value | $358,132 |
Housing Distribution
Address Breakdown
Residential
587
Single Family
584
Multi-Family
3
Businesses
160
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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
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