186 N Thomas AveDuboisID83423
INVESTMENT ANALYSIS
Investment Verdict
Solid Income186 N Thomas Ave, Dubois, ID, 83423 in Dubois earns a respectable 8.06% gross yield at $200,000, but after the $899/mo mortgage the net cash flow is $193/mo, a tight but positive spread. Expense discipline (vacancy, management, maintenance) will determine whether the margin widens. Ziffy Mortgage's DSCR mortgage (1.49) still qualifies on property income; a larger down payment can improve the cash-flow buffer. Long-term, 5% appreciation projects $55,256 over five years, making equity the dominant return driver. Total projected return: $87,959.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $193 | $400 |
City averages based on Dubois market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,344 |
| Total Monthly Debt Service | $1,071 |
| DSCR Ratio | 1.25x |
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 1919
0.77 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83423, Dubois, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 370 (100%) |
| Owner Occupied HU | 195 (52.7%) |
| Renter Occupied HU | 84 (22.7%) |
| Vacant Housing Units | 91 (24.6%) |
| Median Home Value | $298,438 |
| Average Home Value | $496,167 |
Housing Distribution
Address Breakdown
Residential
62
Single Family
62
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices
No similar price properties found nearby.
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 1919
0.77 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83423, Dubois, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 370 (100%) |
| Owner Occupied HU | 195 (52.7%) |
| Renter Occupied HU | 84 (22.7%) |
| Vacant Housing Units | 91 (24.6%) |
| Median Home Value | $298,438 |
| Average Home Value | $496,167 |
Housing Distribution
Address Breakdown
Residential
62
Single Family
62
Multi-Family
0
Businesses
28
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices
No similar price properties found nearby.
Listed by: Jason Vesser • Premier Properties
Mls Name: PCTMLS
Mls Provider:
Mls ID: #578086
Disclaimer: IDX information is provided exclusively for consumers personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that data is deemed reliable but is not guaranteed accurate by the MLS.