1679 Onyx CtSandpointID83864
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 1679 Onyx Ct, Sandpoint, ID, 83864 in Sandpoint is narrow, $182/mo net on $2,880/mo rent after the $2,109/mo debt service, but the property operates at break-even-plus, not a loss. At $469,000 with a 7.37% yield, the long-run equity case via 5% appreciation ($129,576 over five years) and $4,320/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.37 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $188,675.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 7.0% |
| Monthly Cash Flow | $182 | $1,500 |
City averages based on Sandpoint market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,880 |
| Total Monthly Debt Service | $2,511 |
| DSCR Ratio | 1.15x |
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 2025
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83864, Sandpoint, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,075 (100%) |
| Owner Occupied HU | 6,405 (57.8%) |
| Renter Occupied HU | 2,599 (23.5%) |
| Vacant Housing Units | 2,071 (18.7%) |
| Median Home Value | $569,571 |
| Average Home Value | $622,888 |
Housing Distribution
Address Breakdown
Residential
8,825
Single Family
8,203
Multi-Family
622
Businesses
1,302
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 2025
2,178 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83864, Sandpoint, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,075 (100%) |
| Owner Occupied HU | 6,405 (57.8%) |
| Renter Occupied HU | 2,599 (23.5%) |
| Vacant Housing Units | 2,071 (18.7%) |
| Median Home Value | $569,571 |
| Average Home Value | $622,888 |
Housing Distribution
Address Breakdown
Residential
8,825
Single Family
8,203
Multi-Family
622
Businesses
1,302
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices