1354-R Plan, Thayer FarmsRathdrumID83858
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt $474,900, 1354-R Plan, Thayer Farms, Rathdrum, ID, 83858 in Rathdrum generates $2,886/mo in rent (7.29% yield) but nets only $129/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.35) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $131,206. Total projected return: $187,649.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.3% | 5.8% |
| Monthly Cash Flow | $129 | $350 |
City averages based on Rathdrum market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,886 |
| Total Monthly Debt Service | $2,568 |
| 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 2026
N/A lot
$N/A/sqft
$25 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83858, Rathdrum, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,220 (100%) |
| Owner Occupied HU | 6,450 (78.5%) |
| Renter Occupied HU | 1,119 (13.6%) |
| Vacant Housing Units | 651 ( 7.9%) |
| Median Home Value | $657,230 |
| Average Home Value | $719,603 |
Housing Distribution
Address Breakdown
Residential
7,507
Single Family
7,272
Multi-Family
235
Businesses
392
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 2026
N/A lot
$N/A/sqft
$25 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83858, Rathdrum, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 8,220 (100%) |
| Owner Occupied HU | 6,450 (78.5%) |
| Renter Occupied HU | 1,119 (13.6%) |
| Vacant Housing Units | 651 ( 7.9%) |
| Median Home Value | $657,230 |
| Average Home Value | $719,603 |
Housing Distribution
Address Breakdown
Residential
7,507
Single Family
7,272
Multi-Family
235
Businesses
392
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices