1028 Granlund RdTroyID83871
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play1028 Granlund Rd, Troy, ID, 83871 in Troy is priced for appreciation, not yield. Rental yield 4.82%. At $800,000 with a 4.82% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $221,025 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.89) 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: $212,671.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 5.0% |
| Monthly Cash Flow | $(1,386) | $200 |
City averages based on Troy market data in our database. Property projections are estimates.
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 | $3,216 |
| Total Monthly Debt Service | $4,284 |
| DSCR Ratio | 0.75x |
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.
Single Family
Built in 2010
9.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83871, Troy, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 926 (100%) |
| Owner Occupied HU | 753 (81.3%) |
| Renter Occupied HU | 122 (13.2%) |
| Vacant Housing Units | 51 ( 5.5%) |
| Median Home Value | $495,982 |
| Average Home Value | $570,883 |
Housing Distribution
Address Breakdown
Residential
577
Single Family
577
Multi-Family
0
Businesses
69
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
Single Family
Built in 2010
9.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83871, Troy, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 926 (100%) |
| Owner Occupied HU | 753 (81.3%) |
| Renter Occupied HU | 122 (13.2%) |
| Vacant Housing Units | 51 ( 5.5%) |
| Median Home Value | $495,982 |
| Average Home Value | $570,883 |
Housing Distribution
Address Breakdown
Residential
577
Single Family
577
Multi-Family
0
Businesses
69
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices