109 Ellis Ln LOT 95KamiahID83536
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 109 Ellis Ln LOT 95, Kamiah, ID, 83536 in Kamiah speaks for itself: 18.27% gross on a $144,000 price, generating $2,192/mo in rent and $1,335/mo in net income after the $648/mo debt service. DSCR 3.38, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $16,023 stacks alongside $39,785 in projected five-year appreciation and $1,326/yr in principal reduction. Projected total cumulative return: $140,334.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 18.3% | 6.2% |
| Monthly Cash Flow | $1,335 | $250 |
City averages based on Kamiah market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,192 |
| Total Monthly Debt Service | $800 |
| DSCR Ratio | 2.74x |
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 2019
5,227 sqft lot
$N/A/sqft
$345 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83536, Kamiah, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,219 (100%) |
| Owner Occupied HU | 1,417 (63.9%) |
| Renter Occupied HU | 455 (20.5%) |
| Vacant Housing Units | 347 (15.6%) |
| Median Home Value | $351,286 |
| Average Home Value | $401,104 |
Housing Distribution
Address Breakdown
Residential
1,347
Single Family
1,300
Multi-Family
47
Businesses
146
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 2019
5,227 sqft lot
$N/A/sqft
$345 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83536, Kamiah, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,219 (100%) |
| Owner Occupied HU | 1,417 (63.9%) |
| Renter Occupied HU | 455 (20.5%) |
| Vacant Housing Units | 347 (15.6%) |
| Median Home Value | $351,286 |
| Average Home Value | $401,104 |
Housing Distribution
Address Breakdown
Residential
1,347
Single Family
1,300
Multi-Family
47
Businesses
146
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices