1398 Stirling Meadows StMiddletonID83644
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 1398 Stirling Meadows St, Middleton, ID, 83644 in Middleton is narrow, $63/mo net on $3,353/mo rent after the $2,529/mo debt service, but the property operates at break-even-plus, not a loss. At $562,490 with a 7.15% yield, the long-run equity case via 5% appreciation ($155,406 over five years) and $5,181/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.33 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $216,579.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 4.9% |
| Monthly Cash Flow | $63 | $285 |
City averages based on Middleton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,353 |
| Total Monthly Debt Service | $3,066 |
| DSCR Ratio | 1.09x |
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 2024
9,583 sqft lot
$N/A/sqft
$650 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83644, Middleton, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,229 (100%) |
| Owner Occupied HU | 5,399 (86.7%) |
| Renter Occupied HU | 663 (10.6%) |
| Vacant Housing Units | 167 ( 2.7%) |
| Median Home Value | $515,674 |
| Average Home Value | $575,974 |
Housing Distribution
Address Breakdown
Residential
5,695
Single Family
5,695
Multi-Family
0
Businesses
300
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 2024
9,583 sqft lot
$N/A/sqft
$650 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83644, Middleton, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,229 (100%) |
| Owner Occupied HU | 5,399 (86.7%) |
| Renter Occupied HU | 663 (10.6%) |
| Vacant Housing Units | 167 ( 2.7%) |
| Median Home Value | $515,674 |
| Average Home Value | $575,974 |
Housing Distribution
Address Breakdown
Residential
5,695
Single Family
5,695
Multi-Family
0
Businesses
300
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices