17698 E Bannock DrBayviewID83803
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 17698 E Bannock Dr, Bayview, ID, 83803 in Bayview the bet is firmly on appreciation. Rental yield 3.8%. The 3.8% gross yield on a $850,000 price is below income-first thresholds, but 5%/yr value growth projects $234,839 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.70) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $179,098.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.8% | 6.0% |
| Monthly Cash Flow | $(2,201) | $1,500 |
City averages based on Bayview 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 | $2,689 |
| Total Monthly Debt Service | $4,552 |
| DSCR Ratio | 0.59x |
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 2018
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83803, Bayview, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 489 (100%) |
| Owner Occupied HU | 284 (58.1%) |
| Renter Occupied HU | 54 (11.0%) |
| Vacant Housing Units | 151 (30.9%) |
| Median Home Value | $848,958 |
| Average Home Value | $864,727 |
Housing Distribution
Address Breakdown
Residential
181
Single Family
181
Multi-Family
0
Businesses
28
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 2018
0.29 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83803, Bayview, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 489 (100%) |
| Owner Occupied HU | 284 (58.1%) |
| Renter Occupied HU | 54 (11.0%) |
| Vacant Housing Units | 151 (30.9%) |
| Median Home Value | $848,958 |
| Average Home Value | $864,727 |
Housing Distribution
Address Breakdown
Residential
181
Single Family
181
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Anthony Norris • Windermere/Coeur d'Alene Realty Inc
Mls Name: Coeur d'Alene MLS
Mls Provider:
Mls ID: #25-2985
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.