1601 Spades RdSagleID83860
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing1601 Spades Rd, Sagle, ID, 83860 in Sagle is a stable, well-positioned rental at $497,600. It generates $2,878/mo in gross rent, nets $15/mo after debt service, and carries a 6.94% yield suited to conservative, capital-preservation strategies. DSCR 1.29 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $137,478 in value and $4,583/yr in principal paydown builds equity, a total projected return of $188,707.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.9% | 7.0% |
| Monthly Cash Flow | $15 | $300 |
City averages based on Sagle market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,878 |
| Total Monthly Debt Service | $2,665 |
| DSCR Ratio | 1.08x |
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.
Manufactured
Built in 1985
1.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83860, Sagle, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,343 (100%) |
| Owner Occupied HU | 2,845 (65.5%) |
| Renter Occupied HU | 425 ( 9.8%) |
| Vacant Housing Units | 1,073 (24.7%) |
| Median Home Value | $665,222 |
| Average Home Value | $718,764 |
Housing Distribution
Address Breakdown
Residential
3,153
Single Family
3,152
Multi-Family
1
Businesses
119
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
Manufactured
Built in 1985
1.20 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83860, Sagle, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,343 (100%) |
| Owner Occupied HU | 2,845 (65.5%) |
| Renter Occupied HU | 425 ( 9.8%) |
| Vacant Housing Units | 1,073 (24.7%) |
| Median Home Value | $665,222 |
| Average Home Value | $718,764 |
Housing Distribution
Address Breakdown
Residential
3,153
Single Family
3,152
Multi-Family
1
Businesses
119
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices