1373 Welch RdBancroftID83217
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 1373 Welch Rd, Bancroft, ID, 83217 in Bancroft. Priced at $120,000, it generates $1,398/mo in gross rent and $708/mo in net monthly cash flow, a 13.98% yield that comfortably supports the 2.59 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $8,492. Five-year appreciation: $33,154. Equity from principal paydown: $1,105/yr. Total projected cumulative return: $90,789.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 14% | 5.5% |
| Monthly Cash Flow | $708 | $800 |
City averages based on Bancroft market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,398 |
| Total Monthly Debt Service | $643 |
| DSCR Ratio | 2.18x |
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.
Lot
Built in N/A
7.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83217, Bancroft, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 373 (100%) |
| Owner Occupied HU | 231 (61.9%) |
| Renter Occupied HU | 50 (13.4%) |
| Vacant Housing Units | 92 (24.7%) |
| Median Home Value | $269,915 |
| Average Home Value | $284,199 |
Housing Distribution
Address Breakdown
Residential
164
Single Family
164
Multi-Family
0
Businesses
1
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
Lot
Built in N/A
7.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83217, Bancroft, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 373 (100%) |
| Owner Occupied HU | 231 (61.9%) |
| Renter Occupied HU | 50 (13.4%) |
| Vacant Housing Units | 92 (24.7%) |
| Median Home Value | $269,915 |
| Average Home Value | $284,199 |
Housing Distribution
Address Breakdown
Residential
164
Single Family
164
Multi-Family
0
Businesses
1
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices