114 E Pennsylvania StBoiseID83706
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 114 E Pennsylvania St, Boise, ID, 83706 in Boise at $544,000. Rental yield 6.98%. The 6.98% yield and 1.29 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $150,297 by year five, and $5,010/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $207,639.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7% | 5.8% |
| Monthly Cash Flow | $(104) | $420 |
City averages based on Boise market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,166 |
| Total Monthly Debt Service | $2,913 |
| DSCR Ratio | 1.09x |
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.
Townhouse
Built in 2025
914.76 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83706, Boise, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,375 (100%) |
| Owner Occupied HU | 7,908 (48.3%) |
| Renter Occupied HU | 7,586 (46.3%) |
| Vacant Housing Units | 881 ( 5.4%) |
| Median Home Value | $599,916 |
| Average Home Value | $676,902 |
Housing Distribution
Address Breakdown
Residential
16,058
Single Family
14,472
Multi-Family
1,586
Businesses
1,128
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
Townhouse
Built in 2025
914.76 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83706, Boise, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,375 (100%) |
| Owner Occupied HU | 7,908 (48.3%) |
| Renter Occupied HU | 7,586 (46.3%) |
| Vacant Housing Units | 881 ( 5.4%) |
| Median Home Value | $599,916 |
| Average Home Value | $676,902 |
Housing Distribution
Address Breakdown
Residential
16,058
Single Family
14,472
Multi-Family
1,586
Businesses
1,128
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices