107 N Pine StClark ForkID83811
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 107 N Pine St, Clark Fork, ID, 83811 in Clark Fork. Priced at $250,000, it generates $2,400/mo in gross rent and $962/mo in net monthly cash flow, a 11.52% yield that comfortably supports the 2.14 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $11,541. Five-year appreciation: $69,070. Equity from principal paydown: $2,303/yr. Total projected cumulative return: $156,253.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.0% |
| Monthly Cash Flow | $962 | $300 |
City averages based on Clark Fork market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,400 |
| Total Monthly Debt Service | $1,339 |
| DSCR Ratio | 1.79x |
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.
Single Family
Built in 1948
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83811, Clark Fork, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,034 (100%) |
| Owner Occupied HU | 580 (56.1%) |
| Renter Occupied HU | 125 (12.1%) |
| Vacant Housing Units | 329 (31.8%) |
| Median Home Value | $289,474 |
| Average Home Value | $427,767 |
Housing Distribution
Address Breakdown
Residential
375
Single Family
375
Multi-Family
0
Businesses
36
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 1948
0.27 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83811, Clark Fork, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,034 (100%) |
| Owner Occupied HU | 580 (56.1%) |
| Renter Occupied HU | 125 (12.1%) |
| Vacant Housing Units | 329 (31.8%) |
| Median Home Value | $289,474 |
| Average Home Value | $427,767 |
Housing Distribution
Address Breakdown
Residential
375
Single Family
375
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Rain Silverhawk • SANDPOINT REALTY LLC
Mls Name: SELMLS
Mls ID: #20251912