15123 Cloud Crest AveCaldwellID83607
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 15123 Cloud Crest Ave, Caldwell, ID, 83607 in Caldwell fits: $591,400, 5.17% gross yield, and a projected 5% annual appreciation rate adding $163,393 in value within five years. Rental yield 5.17%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.96) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,447/yr in principal paydown and $163,393 in appreciation project a total return of $168,328.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 4.7% |
| Monthly Cash Flow | $(894) | $185 |
City averages based on Caldwell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,550 |
| Total Monthly Debt Service | $3,167 |
| DSCR Ratio | 0.81x |
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 2026
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83607, Caldwell, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,081 (100%) |
| Owner Occupied HU | 11,352 (80.6%) |
| Renter Occupied HU | 2,204 (15.7%) |
| Vacant Housing Units | 525 ( 3.7%) |
| Median Home Value | $447,329 |
| Average Home Value | $546,326 |
Housing Distribution
Address Breakdown
Residential
13,620
Single Family
13,242
Multi-Family
378
Businesses
275
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 2026
8,276 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83607, Caldwell, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,081 (100%) |
| Owner Occupied HU | 11,352 (80.6%) |
| Renter Occupied HU | 2,204 (15.7%) |
| Vacant Housing Units | 525 ( 3.7%) |
| Median Home Value | $447,329 |
| Average Home Value | $546,326 |
Housing Distribution
Address Breakdown
Residential
13,620
Single Family
13,242
Multi-Family
378
Businesses
275
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices