20940 S Four Echoes RdWorleyID83876
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 20940 S Four Echoes Rd, Worley, ID, 83876 in Worley the bet is firmly on appreciation. Rental yield 3.89%. The 3.89% gross yield on a $1,950,000 price is below income-first thresholds, but 5%/yr value growth projects $538,749 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.72) finances the acquisition on rental income alone. A larger down payment (30–35%) reduces monthly debt service and tightens the spread. Total projected cumulative return: $420,609.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.9% | 5.0% |
| Monthly Cash Flow | $(4,897) | $1,200 |
City averages based on Worley market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,321 |
| Total Monthly Debt Service | $10,442 |
| DSCR Ratio | 0.61x |
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 2007
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83876, Worley, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,507 (100%) |
| Owner Occupied HU | 580 (38.5%) |
| Renter Occupied HU | 98 ( 6.5%) |
| Vacant Housing Units | 829 (55.0%) |
| Median Home Value | $551,339 |
| Average Home Value | $669,409 |
Housing Distribution
Address Breakdown
Residential
699
Single Family
698
Multi-Family
1
Businesses
30
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 2007
0.36 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83876, Worley, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,507 (100%) |
| Owner Occupied HU | 580 (38.5%) |
| Renter Occupied HU | 98 ( 6.5%) |
| Vacant Housing Units | 829 (55.0%) |
| Median Home Value | $551,339 |
| Average Home Value | $669,409 |
Housing Distribution
Address Breakdown
Residential
699
Single Family
698
Multi-Family
1
Businesses
30
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lea Williams • Tomlinson Sotheby's International Realty (Idaho)
Mls Name: Coeur d'Alene MLS
Mls Provider:
Mls ID: #25-2133
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.