10939B Westchester RdLava Hot SpringsID83246
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 2.47% gross rental yield, 10939B Westchester Rd, Lava Hot Springs, ID, 83246 in Lava Hot Springs is priced for capital growth, not immediate cash flow. The $525,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $145,048 by year five, with $4,835/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.46) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $72,088.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.5% | 6.3% |
| Monthly Cash Flow | $(1,959) | $1,500 |
City averages based on Lava Hot Springs market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,080 |
| Total Monthly Debt Service | $2,830 |
| DSCR Ratio | 0.38x |
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 2004
0.80 Acres lot
$N/A/sqft
$225 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83246, Lava Hot Springs, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 635 (100%) |
| Owner Occupied HU | 351 (55.3%) |
| Renter Occupied HU | 94 (14.8%) |
| Vacant Housing Units | 190 (29.9%) |
| Median Home Value | $454,580 |
| Average Home Value | $576,083 |
Housing Distribution
Address Breakdown
Residential
245
Single Family
245
Multi-Family
0
Businesses
63
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 2004
0.80 Acres lot
$N/A/sqft
$225 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83246, Lava Hot Springs, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 635 (100%) |
| Owner Occupied HU | 351 (55.3%) |
| Renter Occupied HU | 94 (14.8%) |
| Vacant Housing Units | 190 (29.9%) |
| Median Home Value | $454,580 |
| Average Home Value | $576,083 |
Housing Distribution
Address Breakdown
Residential
245
Single Family
245
Multi-Family
0
Businesses
63
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Julie Hill • Signature Real Estate
Mls Name: PCTMLS
Mls Provider:
Mls ID: #578734
Disclaimer: IDX information is provided exclusively for consumers personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that data is deemed reliable but is not guaranteed accurate by the MLS.