1140 12th Ave SPayetteID83661
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 1140 12th Ave S, Payette, ID, 83661 in Payette speaks for itself: 10.4% gross on a $318,369 price, generating $2,760/mo in rent and $928/mo in net income after the $1,432/mo debt service. DSCR 1.93, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $11,142 stacks alongside $87,959 in projected five-year appreciation and $2,932/yr in principal reduction. Projected total cumulative return: $179,856.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.4% | 7.2% |
| Monthly Cash Flow | $928 | $450 |
City averages based on Payette market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,760 |
| Total Monthly Debt Service | $1,705 |
| DSCR Ratio | 1.62x |
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.
Manufactured
Built in 2026
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83661, Payette, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,624 (100%) |
| Owner Occupied HU | 3,123 (67.5%) |
| Renter Occupied HU | 1,302 (28.2%) |
| Vacant Housing Units | 199 ( 4.3%) |
| Median Home Value | $274,292 |
| Average Home Value | $471,386 |
Housing Distribution
Address Breakdown
Residential
4,273
Single Family
4,170
Multi-Family
103
Businesses
365
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 2026
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83661, Payette, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,624 (100%) |
| Owner Occupied HU | 3,123 (67.5%) |
| Renter Occupied HU | 1,302 (28.2%) |
| Vacant Housing Units | 199 ( 4.3%) |
| Median Home Value | $274,292 |
| Average Home Value | $471,386 |
Housing Distribution
Address Breakdown
Residential
4,273
Single Family
4,170
Multi-Family
103
Businesses
365
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices