13900 N Ermine AveBoiseID83714
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Boise rental at 13900 N Ermine Ave, Boise, ID, 83714 sits in the solid-income band: 9.1% gross yield, $6,786/mo rent, $1,517/mo net after the $4,025/mo debt service, DSCR 1.69. Entry price of $895,092 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $247,297 and $8,244/yr in principal reduction bring total cumulative return to $443,025.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 5.8% |
| Monthly Cash Flow | $1,517 | $420 |
City averages based on Boise market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,786 |
| Total Monthly Debt Service | $4,793 |
| DSCR Ratio | 1.42x |
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 2025
5,706 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83714, Garden City, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,610 (100%) |
| Owner Occupied HU | 9,078 (66.7%) |
| Renter Occupied HU | 3,891 (28.6%) |
| Vacant Housing Units | 641 ( 4.7%) |
| Median Home Value | $600,765 |
| Average Home Value | $659,634 |
Housing Distribution
Address Breakdown
Residential
13,026
Single Family
10,186
Multi-Family
2,840
Businesses
1,431
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 2025
5,706 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83714, Garden City, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,610 (100%) |
| Owner Occupied HU | 9,078 (66.7%) |
| Renter Occupied HU | 3,891 (28.6%) |
| Vacant Housing Units | 641 ( 4.7%) |
| Median Home Value | $600,765 |
| Average Home Value | $659,634 |
Housing Distribution
Address Breakdown
Residential
13,026
Single Family
10,186
Multi-Family
2,840
Businesses
1,431
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices