176 W Buffalo Gulch RdElk CityID83525
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play176 W Buffalo Gulch Rd, Elk City, ID, 83525 in Elk City is priced for appreciation, not yield. Rental yield 3.1%. At $444,000 with a 3.1% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $122,669 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.57) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $76,930.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.1% | 7.0% |
| Monthly Cash Flow | $(1,407) | $800 |
City averages based on Elk City market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $1,147 |
| Total Monthly Debt Service | $2,378 |
| DSCR Ratio | 0.48x |
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 1987
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83525, Elk City, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 813 (100%) |
| Owner Occupied HU | 241 (29.6%) |
| Renter Occupied HU | 47 ( 5.8%) |
| Vacant Housing Units | 525 (64.6%) |
| Median Home Value | $415,000 |
| Average Home Value | $481,162 |
Housing Distribution
Address Breakdown
Residential
72
Single Family
72
Multi-Family
0
Businesses
34
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 1987
10 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83525, Elk City, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 813 (100%) |
| Owner Occupied HU | 241 (29.6%) |
| Renter Occupied HU | 47 ( 5.8%) |
| Vacant Housing Units | 525 (64.6%) |
| Median Home Value | $415,000 |
| Average Home Value | $481,162 |
Housing Distribution
Address Breakdown
Residential
72
Single Family
72
Multi-Family
0
Businesses
34
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices