14 Silver StClaytonID83227
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 14 Silver St, Clayton, ID, 83227 in Clayton earns a 9.33% gross yield at $165,000. Rent of $1,283/mo nets $334/mo after the $742/mo mortgage. The 1.73 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $45,586 and $1,520/yr in equity accumulation project a total cumulative return of $83,750.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.0% |
| Monthly Cash Flow | $334 | $200 |
City averages based on Clayton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,283 |
| Total Monthly Debt Service | $884 |
| DSCR Ratio | 1.45x |
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 1965
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83227, Clayton, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 40 (100%) |
| Owner Occupied HU | 17 (42.5%) |
| Renter Occupied HU | 2 ( 5.0%) |
| Vacant Housing Units | 21 (52.5%) |
| Median Home Value | $553,571 |
| Average Home Value | $776,471 |
Housing Distribution
Address Breakdown
Residential
101
Single Family
100
Multi-Family
1
Businesses
11
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 1965
0.30 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83227, Clayton, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 40 (100%) |
| Owner Occupied HU | 17 (42.5%) |
| Renter Occupied HU | 2 ( 5.0%) |
| Vacant Housing Units | 21 (52.5%) |
| Median Home Value | $553,571 |
| Average Home Value | $776,471 |
Housing Distribution
Address Breakdown
Residential
101
Single Family
100
Multi-Family
1
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices