102 North StStitesID83552
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who treat current yield as secondary to long-run equity growth will find 102 North St, Stites, ID, 83552 in Stites worth modelling. At $192,500 with a 7.04% gross yield, the $1,129/mo rent leaves $22/mo after the $866/mo payment, sufficient to cover costs, modest in distribution. Ziffy Mortgage's 1.30 DSCR loan can finance the acquisition without personal income documentation. Appreciation of 5%/yr is projected to add $53,184 by year five; $1,773/yr in principal reduction adds further equity. Total projected return: $74,012.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 6.5% |
| Monthly Cash Flow | $22 | $400 |
City averages based on Stites market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,129 |
| Total Monthly Debt Service | $1,031 |
| DSCR Ratio | 1.10x |
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.
Manufactured
Built in 1970
0.49 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83552, Stites, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 686 (100%) |
| Owner Occupied HU | 483 (70.4%) |
| Renter Occupied HU | 94 (13.7%) |
| Vacant Housing Units | 109 (15.9%) |
| Median Home Value | $373,630 |
| Average Home Value | $459,136 |
Housing Distribution
Address Breakdown
Residential
447
Single Family
447
Multi-Family
0
Businesses
19
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
Manufactured
Built in 1970
0.49 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83552, Stites, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 686 (100%) |
| Owner Occupied HU | 483 (70.4%) |
| Renter Occupied HU | 94 (13.7%) |
| Vacant Housing Units | 109 (15.9%) |
| Median Home Value | $373,630 |
| Average Home Value | $459,136 |
Housing Distribution
Address Breakdown
Residential
447
Single Family
447
Multi-Family
0
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices