112 Kettle Creek RdKooskiaID83539
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 112 Kettle Creek Rd, Kooskia, ID, 83539 in Kooskia fits: $699,999, 3.3% gross yield, and a projected 5% annual appreciation rate adding $193,397 in value within five years. Rental yield 3.3%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.61) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $6,447/yr in principal paydown and $193,397 in appreciation project a total return of $128,845.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.3% | 8.0% |
| Monthly Cash Flow | $(2,102) | $300 |
City averages based on Kooskia market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,925 |
| Total Monthly Debt Service | $3,748 |
| DSCR Ratio | 0.51x |
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 1994
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83539, Kooskia, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,175 (100%) |
| Owner Occupied HU | 736 (62.6%) |
| Renter Occupied HU | 176 (15.0%) |
| Vacant Housing Units | 263 (22.4%) |
| Median Home Value | $355,932 |
| Average Home Value | $404,494 |
Housing Distribution
Address Breakdown
Residential
707
Single Family
707
Multi-Family
0
Businesses
56
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 1994
20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83539, Kooskia, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,175 (100%) |
| Owner Occupied HU | 736 (62.6%) |
| Renter Occupied HU | 176 (15.0%) |
| Vacant Housing Units | 263 (22.4%) |
| Median Home Value | $355,932 |
| Average Home Value | $404,494 |
Housing Distribution
Address Breakdown
Residential
707
Single Family
707
Multi-Family
0
Businesses
56
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices