20441 S Robinson Creek RdCataldoID83810
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 20441 S Robinson Creek Rd, Cataldo, ID, 83810 in Cataldo fits: $599,999, 4.41% gross yield, and a projected 5% annual appreciation rate adding $165,769 in value within five years. Rental yield 4.41%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.82) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,526/yr in principal paydown and $165,769 in appreciation project a total return of $146,012.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 6.0% |
| Monthly Cash Flow | $(1,248) | $1,500 |
City averages based on Cataldo 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 | $2,203 |
| Total Monthly Debt Service | $3,213 |
| DSCR Ratio | 0.69x |
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 1989
20.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83810, Cataldo, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 688 (100%) |
| Owner Occupied HU | 518 (75.3%) |
| Renter Occupied HU | 58 ( 8.4%) |
| Vacant Housing Units | 112 (16.3%) |
| Median Home Value | $611,957 |
| Average Home Value | $686,308 |
Housing Distribution
Address Breakdown
Residential
476
Single Family
476
Multi-Family
0
Businesses
23
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 1989
20.41 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83810, Cataldo, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 688 (100%) |
| Owner Occupied HU | 518 (75.3%) |
| Renter Occupied HU | 58 ( 8.4%) |
| Vacant Housing Units | 112 (16.3%) |
| Median Home Value | $611,957 |
| Average Home Value | $686,308 |
Housing Distribution
Address Breakdown
Residential
476
Single Family
476
Multi-Family
0
Businesses
23
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices