121 Stonefly LnSwan ValleyID83449
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 121 Stonefly Ln, Swan Valley, ID, 83449 in Swan Valley fits: $482,000, 4.41% gross yield, and a projected 5% annual appreciation rate adding $133,168 in value within five years. Rental yield 4.41%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.82) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,439/yr in principal paydown and $133,168 in appreciation project a total return of $109,100.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 7.0% |
| Monthly Cash Flow | $(1,140) | $1,200 |
City averages based on Swan Valley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,772 |
| Total Monthly Debt Service | $2,721 |
| DSCR Ratio | 0.65x |
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.
Townhouse
Built in 2022
1,742 sqft lot
$N/A/sqft
$1,680 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83449, Swan Valley, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 334 (100%) |
| Owner Occupied HU | 161 (48.2%) |
| Renter Occupied HU | 29 ( 8.7%) |
| Vacant Housing Units | 144 (43.1%) |
| Median Home Value | $642,544 |
| Average Home Value | $652,112 |
Housing Distribution
Address Breakdown
Residential
9
Single Family
9
Multi-Family
0
Businesses
22
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 2022
1,742 sqft lot
$N/A/sqft
$1,680 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83449, Swan Valley, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 334 (100%) |
| Owner Occupied HU | 161 (48.2%) |
| Renter Occupied HU | 29 ( 8.7%) |
| Vacant Housing Units | 144 (43.1%) |
| Median Home Value | $642,544 |
| Average Home Value | $652,112 |
Housing Distribution
Address Breakdown
Residential
9
Single Family
9
Multi-Family
0
Businesses
22
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices