132 E Cameron AveKelloggID83837
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 132 E Cameron Ave, Kellogg, ID, 83837 in Kellogg is narrow, $75/mo net on $1,680/mo rent after the $1,255/mo debt service, but the property operates at break-even-plus, not a loss. At $279,000 with a 7.23% yield, the long-run equity case via 5% appreciation ($77,083 over five years) and $2,570/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.34 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $110,096.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 5.2% |
| Monthly Cash Flow | $75 | $300 |
City averages based on Kellogg market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,680 |
| Total Monthly Debt Service | $1,494 |
| DSCR Ratio | 1.12x |
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
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83837, Kellogg, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,679 (100%) |
| Owner Occupied HU | 900 (53.6%) |
| Renter Occupied HU | 542 (32.3%) |
| Vacant Housing Units | 237 (14.1%) |
| Median Home Value | $288,426 |
| Average Home Value | $302,119 |
Housing Distribution
Address Breakdown
Residential
1,366
Single Family
1,246
Multi-Family
120
Businesses
200
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
3,920 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83837, Kellogg, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,679 (100%) |
| Owner Occupied HU | 900 (53.6%) |
| Renter Occupied HU | 542 (32.3%) |
| Vacant Housing Units | 237 (14.1%) |
| Median Home Value | $288,426 |
| Average Home Value | $302,119 |
Housing Distribution
Address Breakdown
Residential
1,366
Single Family
1,246
Multi-Family
120
Businesses
200
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Neal B. Scholey • Local Real Estate
Mls Name: Coeur d'Alene MLS
Mls Provider:
Mls ID: #25-1203
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.