122 Northview AveSmeltervilleID83868
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 122 Northview Ave, Smelterville, ID, 83868 in Smelterville at $235,000 earns $1,554/mo in rent and nets $194/mo after the $1,057/mo payment, a 7.98% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $64,926 over five years. Ziffy Mortgage underwrites this on a 1.47 DSCR without U.S. credit history. With $2,164/yr in principal paydown, total projected return reaches $100,724.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8% | 5.5% |
| Monthly Cash Flow | $194 | $300 |
City averages based on Smelterville market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,554 |
| Total Monthly Debt Service | $1,275 |
| DSCR Ratio | 1.22x |
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 1920
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83868, Smelterville, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 512 (100%) |
| Owner Occupied HU | 312 (60.9%) |
| Renter Occupied HU | 162 (31.6%) |
| Vacant Housing Units | 38 ( 7.4%) |
| Median Home Value | $137,179 |
| Average Home Value | $196,659 |
Housing Distribution
Address Breakdown
Residential
44
Single Family
44
Multi-Family
0
Businesses
24
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 1920
3,484 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83868, Smelterville, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 512 (100%) |
| Owner Occupied HU | 312 (60.9%) |
| Renter Occupied HU | 162 (31.6%) |
| Vacant Housing Units | 38 ( 7.4%) |
| Median Home Value | $137,179 |
| Average Home Value | $196,659 |
Housing Distribution
Address Breakdown
Residential
44
Single Family
44
Multi-Family
0
Businesses
24
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cody Fenske • EXP Realty
Mls Name: Coeur d'Alene MLS
Mls Provider:
Mls ID: #25-5449
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.