205 Clearwater DrStitesID83552
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 205 Clearwater Dr, Stites, ID, 83552 in Stites fits: $525,000, 3.69% gross yield, and a projected 5% annual appreciation rate adding $145,048 in value within five years. Rental yield 3.69%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.68) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $4,835/yr in principal paydown and $145,048 in appreciation project a total return of $107,584.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.7% | 6.5% |
| Monthly Cash Flow | $(1,406) | $400 |
City averages based on Stites 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 | $1,614 |
| Total Monthly Debt Service | $2,811 |
| DSCR Ratio | 0.57x |
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.
Manufactured
Built in 1979
8 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83552, Stites, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 686 (100%) |
| Owner Occupied HU | 483 (70.4%) |
| Renter Occupied HU | 94 (13.7%) |
| Vacant Housing Units | 109 (15.9%) |
| Median Home Value | $373,630 |
| Average Home Value | $459,136 |
Housing Distribution
Address Breakdown
Residential
447
Single Family
447
Multi-Family
0
Businesses
19
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
Manufactured
Built in 1979
8 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83552, Stites, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 686 (100%) |
| Owner Occupied HU | 483 (70.4%) |
| Renter Occupied HU | 94 (13.7%) |
| Vacant Housing Units | 109 (15.9%) |
| Median Home Value | $373,630 |
| Average Home Value | $459,136 |
Housing Distribution
Address Breakdown
Residential
447
Single Family
447
Multi-Family
0
Businesses
19
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices