14097 N Pristine CirRathdrumID83858
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 14097 N Pristine Cir, Rathdrum, ID, 83858 in Rathdrum. Rental yield 4.56%. At $865,000 with 4.56% gross yield, current distributions are modest, but the 5% appreciation rate projects $238,984 in new equity by year five, complemented by $7,967/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.82) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $211,275.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 5.8% |
| Monthly Cash Flow | $(1,689) | $350 |
City averages based on Rathdrum market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,188 |
| Total Monthly Debt Service | $4,632 |
| DSCR Ratio | 0.69x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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 2008
0.31 Acres lot
$N/A/sqft
No 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 2008
0.31 Acres lot
$N/A/sqft
No 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
Listed by: Courtney Lampert • NextHome 365 Realty
Mls Name: Coeur d'Alene MLS
Mls Provider:
Mls ID: #25-5284
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.