184 N 7th StMontpelierID83254
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis Montpelier rental at 184 N 7th St, Montpelier, ID, 83254 sits in the solid-income band: 9.4% gross yield, $1,853/mo rent, $492/mo net after the $1,064/mo debt service, DSCR 1.74. Entry price of $236,550 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $65,354 and $2,179/yr in principal reduction bring total cumulative return to $120,889.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.0% |
| Monthly Cash Flow | $492 | $200 |
City averages based on Montpelier market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,853 |
| Total Monthly Debt Service | $1,267 |
| DSCR Ratio | 1.46x |
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 1920
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83254, Montpelier, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,937 (100%) |
| Owner Occupied HU | 1,340 (69.2%) |
| Renter Occupied HU | 321 (16.6%) |
| Vacant Housing Units | 276 (14.2%) |
| Median Home Value | $283,088 |
| Average Home Value | $331,377 |
Housing Distribution
Address Breakdown
Residential
1,568
Single Family
1,494
Multi-Family
74
Businesses
180
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 1920
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83254, Montpelier, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,937 (100%) |
| Owner Occupied HU | 1,340 (69.2%) |
| Renter Occupied HU | 321 (16.6%) |
| Vacant Housing Units | 276 (14.2%) |
| Median Home Value | $283,088 |
| Average Home Value | $331,377 |
Housing Distribution
Address Breakdown
Residential
1,568
Single Family
1,494
Multi-Family
74
Businesses
180
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Misty Crane • Bear Lake Realty, Inc
Mls Name: UtahRealEstate.com
Mls Provider:
Mls ID: #2000190
Disclaimer: Based on information from the Wasatch Front Regional Multiple Listing Service, Inc. as of 2025-02-23 00:03:36 PST. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or the MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. [Click here for more information](/info/mls-disclaimers/#mls_319)