120 W 4th StSilvertonID83867
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 120 W 4th St, Silverton, ID, 83867 in Silverton. At $249,000 it earns $1,668/mo in rent and distributes $236/mo to the owner after the $1,120/mo payment, a consistent 8.04% yield. DSCR 1.49 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $68,794 in value; $2,293/yr in principal paydown compounds ownership stake. Total projected return: $109,113.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 6.0% |
| Monthly Cash Flow | $236 | $1,200 |
City averages based on Silverton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,668 |
| Total Monthly Debt Service | $1,333 |
| DSCR Ratio | 1.25x |
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.
Single Family
Built in 1945
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83867, Silverton, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 214 (100%) |
| Owner Occupied HU | 167 (78.0%) |
| Renter Occupied HU | 28 (13.1%) |
| Vacant Housing Units | 19 ( 8.9%) |
| Median Home Value | $274,123 |
| Average Home Value | $267,156 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
11
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 1945
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83867, Silverton, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 214 (100%) |
| Owner Occupied HU | 167 (78.0%) |
| Renter Occupied HU | 28 (13.1%) |
| Vacant Housing Units | 19 ( 8.9%) |
| Median Home Value | $274,123 |
| Average Home Value | $267,156 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices