181 Madera DrSandpointID83864
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe 7.24% yield at 181 Madera Dr, Sandpoint, ID, 83864 in Sandpoint is solid, but the $3,233/mo payment compresses net cash flow to $193/mo at $718,990. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $198,644 by year five, and $6,622/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.34) without U.S. income documentation. Total projected return: $283,774.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.2% | 7.0% |
| Monthly Cash Flow | $193 | $1,500 |
City averages based on Sandpoint market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,338 |
| Total Monthly Debt Service | $3,858 |
| DSCR Ratio | 1.12x |
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
6,534 sqft lot
$N/A/sqft
$100 annually 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
6,534 sqft lot
$N/A/sqft
$100 annually 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
Listed by: Kelly Harlicker • Century 21 Riverstone
Mls Name: SELMLS
Mls Provider:
Mls ID: #20250482
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.