1305 E Garden AveOsburnID83849
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 1305 E Garden Ave, Osburn, ID, 83849 in Osburn. At $290,000, it earns $1,674/mo in rent, maintains a 6.93% gross yield, and nets $6/mo after the $1,304/mo mortgage. The 1.28 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $80,122 and $2,671/yr in principal reduction project total return of $109,832.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 6.2% |
| Monthly Cash Flow | $6 | $350 |
City averages based on Osburn market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,674 |
| Total Monthly Debt Service | $1,553 |
| DSCR Ratio | 1.08x |
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 1940
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83849, Osburn, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 879 (100%) |
| Owner Occupied HU | 657 (74.7%) |
| Renter Occupied HU | 158 (18.0%) |
| Vacant Housing Units | 64 ( 7.3%) |
| Median Home Value | $255,531 |
| Average Home Value | $269,486 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
49
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 1940
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83849, Osburn, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 879 (100%) |
| Owner Occupied HU | 657 (74.7%) |
| Renter Occupied HU | 158 (18.0%) |
| Vacant Housing Units | 64 ( 7.3%) |
| Median Home Value | $255,531 |
| Average Home Value | $269,486 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
49
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices