1509 E Pine Creek RdMountain HomeID83647
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 1509 E Pine Creek Rd, Mountain Home, ID, 83647 in Mountain Home fits: $800,000, 1.95% gross yield, and a projected 5% annual appreciation rate adding $221,025 in value within five years. Rental yield 1.95%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.36) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $7,368/yr in principal paydown and $221,025 in appreciation project a total return of $89,167.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2% | 6.2% |
| Monthly Cash Flow | $(3,305) | $450 |
City averages based on Mountain Home market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,297 |
| Total Monthly Debt Service | $4,284 |
| DSCR Ratio | 0.30x |
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 1982
6.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83647, Mountain Home, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,208 (100%) |
| Owner Occupied HU | 6,396 (62.7%) |
| Renter Occupied HU | 2,815 (27.6%) |
| Vacant Housing Units | 997 ( 9.8%) |
| Median Home Value | $345,693 |
| Average Home Value | $377,244 |
Housing Distribution
Address Breakdown
Residential
9,201
Single Family
9,171
Multi-Family
30
Businesses
632
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 1982
6.52 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83647, Mountain Home, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,208 (100%) |
| Owner Occupied HU | 6,396 (62.7%) |
| Renter Occupied HU | 2,815 (27.6%) |
| Vacant Housing Units | 997 ( 9.8%) |
| Median Home Value | $345,693 |
| Average Home Value | $377,244 |
Housing Distribution
Address Breakdown
Residential
9,201
Single Family
9,171
Multi-Family
30
Businesses
632
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Joni Harris • Silvercreek Realty Group
Mls Name: IMLS
Mls ID: #98960922