1226 S Elder StNampaID83686
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 1226 S Elder St, Nampa, ID, 83686 in Nampa earns a 8.4% gross yield at $300,000. Rent of $2,100/mo nets $374/mo after the $1,349/mo mortgage. The 1.56 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $82,884 and $2,763/yr in equity accumulation project a total cumulative return of $137,296.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.4% | 4.2% |
| Monthly Cash Flow | $374 | $850 |
City averages based on Nampa market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,100 |
| Total Monthly Debt Service | $1,606 |
| DSCR Ratio | 1.31x |
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 1967
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83686, Nampa, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,546 (100%) |
| Owner Occupied HU | 17,038 (75.6%) |
| Renter Occupied HU | 4,622 (20.5%) |
| Vacant Housing Units | 886 ( 3.9%) |
| Median Home Value | $455,498 |
| Average Home Value | $516,263 |
Housing Distribution
Address Breakdown
Residential
21,289
Single Family
20,783
Multi-Family
506
Businesses
421
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 1967
7,840 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83686, Nampa, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 22,546 (100%) |
| Owner Occupied HU | 17,038 (75.6%) |
| Renter Occupied HU | 4,622 (20.5%) |
| Vacant Housing Units | 886 ( 3.9%) |
| Median Home Value | $455,498 |
| Average Home Value | $516,263 |
Housing Distribution
Address Breakdown
Residential
21,289
Single Family
20,783
Multi-Family
506
Businesses
421
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices