110 Hilton DrIrwinID83428
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 110 Hilton Dr, Irwin, ID, 83428 in Irwin fits: $448,400, 3.97% gross yield, and a projected 5% annual appreciation rate adding $123,885 in value within five years. Rental yield 3.97%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.74) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,130/yr in principal paydown and $123,885 in appreciation project a total return of $98,679.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 6.0% |
| Monthly Cash Flow | $(1,096) | $300 |
City averages based on Irwin market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,483 |
| Total Monthly Debt Service | $2,401 |
| DSCR Ratio | 0.62x |
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.
Manufactured
Built in 2021
1.00 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83428, Irwin, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 478 (100%) |
| Owner Occupied HU | 184 (38.5%) |
| Renter Occupied HU | 42 ( 8.8%) |
| Vacant Housing Units | 252 (52.7%) |
| Median Home Value | $621,429 |
| Average Home Value | $645,163 |
Housing Distribution
Address Breakdown
Residential
57
Single Family
57
Multi-Family
0
Businesses
12
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 2021
1.00 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83428, Irwin, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 478 (100%) |
| Owner Occupied HU | 184 (38.5%) |
| Renter Occupied HU | 42 ( 8.8%) |
| Vacant Housing Units | 252 (52.7%) |
| Median Home Value | $621,429 |
| Average Home Value | $645,163 |
Housing Distribution
Address Breakdown
Residential
57
Single Family
57
Multi-Family
0
Businesses
12
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices