126 Valley WayChallisID83278
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 126 Valley Way, Challis, ID, 83278 in Challis the bet is firmly on appreciation. Rental yield 1.83%. The 1.83% gross yield on a $849,900 price is below income-first thresholds, but 5%/yr value growth projects $234,812 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.34) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $89,413.
| This Property | National Avg | |
|---|---|---|
| Gross Rental Yield | 1.8% | 6.2% |
| Monthly Cash Flow | $(3,593) | $180 |
National averages based on 2024–2025 U.S. residential rental market data. Content is user-generated and unverified.
DSCR Loan Qualification
| Monthly Rental Income | $1,296 |
| Total Monthly Debt Service | $4,551 |
| DSCR Ratio | 0.28x |
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.
Single Family
Built in 1970
0.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83278, Stanley, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 744 (100%) |
| Owner Occupied HU | 188 (25.3%) |
| Renter Occupied HU | 79 (10.6%) |
| Vacant Housing Units | 477 (64.1%) |
| Median Home Value | $636,555 |
| Average Home Value | $910,306 |
Housing Distribution
Address Breakdown
Residential
49
Single Family
49
Multi-Family
0
Businesses
54
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 1970
0.96 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83278, Stanley, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 744 (100%) |
| Owner Occupied HU | 188 (25.3%) |
| Renter Occupied HU | 79 (10.6%) |
| Vacant Housing Units | 477 (64.1%) |
| Median Home Value | $636,555 |
| Average Home Value | $910,306 |
Housing Distribution
Address Breakdown
Residential
49
Single Family
49
Multi-Family
0
Businesses
54
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Erich C Hamm • Keller Williams Realty Boise
Mls Name: Sun Valley BOR MLS
Mls Provider:
Mls ID: #25-333311
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 provided by Sun Valley Board of REALTORS/ Sun Valley Multiple Listing Service is deemed reliable but not guaranteed by the MLS. The properties displayed are provided courtesy of Real Estate Brokers participating in the Sun Valley Board of REALTORS/ Sun Valley Multiple Listing Service Internet Data Exchange Program (IDX).