165 S Main StGeorgetownID83239
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 165 S Main St, Georgetown, ID, 83239 in Georgetown at $498,700, 4.13% gross yield, is a market-growth asset. Rental yield 4.13%. The $1,718/mo rent partially funds the $2,242/mo debt service; the core return is the 5%/yr price growth projected to add $137,782 over five years. Ziffy Mortgage's DSCR mortgage (0.77) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $114,104.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.0% |
| Monthly Cash Flow | $(1,151) | $150 |
City averages based on Georgetown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,718 |
| Total Monthly Debt Service | $2,671 |
| DSCR Ratio | 0.64x |
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 1963
2.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83239, Georgetown, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 202 (100%) |
| Owner Occupied HU | 151 (74.8%) |
| Renter Occupied HU | 25 (12.4%) |
| Vacant Housing Units | 26 (12.9%) |
| Median Home Value | $313,889 |
| Average Home Value | $300,464 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
11
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 1963
2.64 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83239, Georgetown, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 202 (100%) |
| Owner Occupied HU | 151 (74.8%) |
| Renter Occupied HU | 25 (12.4%) |
| Vacant Housing Units | 26 (12.9%) |
| Median Home Value | $313,889 |
| Average Home Value | $300,464 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
11
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Katana Sorensen • Equity Bear River Real Estate
Mls Name: PCTMLS
Mls ID: #580826