150 Railroad StFairfieldID83327
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow150 Railroad St, Fairfield, ID, 83327 in Fairfield earns its strong cash-flow label: 11.45% yield, $3,176/mo rent, $1,261/mo net income, DSCR 2.12. The $333,000 acquisition cost produces immediate returns that put this property in the top tier for U.S. income assets accessible via Ziffy Mortgage's rental-income underwriting. Long-term, 5% annual appreciation adds $92,002 by year five. Combined with $3,067/yr in principal paydown, total projected return reaches $206,801.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.5% | 6.0% |
| Monthly Cash Flow | $1,261 | $500 |
City averages based on Fairfield market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,176 |
| Total Monthly Debt Service | $1,783 |
| DSCR Ratio | 1.78x |
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 2021
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83327, Fairfield, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 679 (100%) |
| Owner Occupied HU | 427 (62.9%) |
| Renter Occupied HU | 91 (13.4%) |
| Vacant Housing Units | 161 (23.7%) |
| Median Home Value | $375,773 |
| Average Home Value | $516,932 |
Housing Distribution
Address Breakdown
Residential
127
Single Family
127
Multi-Family
0
Businesses
72
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 2021
0.33 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83327, Fairfield, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 679 (100%) |
| Owner Occupied HU | 427 (62.9%) |
| Renter Occupied HU | 91 (13.4%) |
| Vacant Housing Units | 161 (23.7%) |
| Median Home Value | $375,773 |
| Average Home Value | $516,932 |
Housing Distribution
Address Breakdown
Residential
127
Single Family
127
Multi-Family
0
Businesses
72
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices