21 Gentle Ben CirFish HavenID83287
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayYield and appreciation often trade off, and at 21 Gentle Ben Cir, Fish Haven, ID, 83287 in Fish Haven the bet is firmly on appreciation. Rental yield 4.67%. The 4.67% gross yield on a $1,449,000 price is below income-first thresholds, but 5%/yr value growth projects $400,332 in equity by year five. Ziffy Mortgage's non-U.S. DSCR mortgage (0.87) 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: $372,002.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 6.0% |
| Monthly Cash Flow | $(2,715) | $400 |
City averages based on Fish Haven market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,641 |
| Total Monthly Debt Service | $7,780 |
| DSCR Ratio | 0.73x |
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 2008
0.86 Acres lot
$N/A/sqft
$250 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83287, Fish Haven, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 877 (100%) |
| Owner Occupied HU | 151 (17.2%) |
| Renter Occupied HU | 19 ( 2.2%) |
| Vacant Housing Units | 707 (80.6%) |
| Median Home Value | $494,444 |
| Average Home Value | $592,980 |
Housing Distribution
Address Breakdown
Residential
319
Single Family
319
Multi-Family
0
Businesses
4
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 2008
0.86 Acres lot
$N/A/sqft
$250 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83287, Fish Haven, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 877 (100%) |
| Owner Occupied HU | 151 (17.2%) |
| Renter Occupied HU | 19 ( 2.2%) |
| Vacant Housing Units | 707 (80.6%) |
| Median Home Value | $494,444 |
| Average Home Value | $592,980 |
Housing Distribution
Address Breakdown
Residential
319
Single Family
319
Multi-Family
0
Businesses
4
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Gary C McKee • Bear Lake Realty, Inc
Mls Name: UtahRealEstate.com
Mls Provider:
Mls ID: #2031042
Disclaimer: Based on information from the Wasatch Front Regional Multiple Listing Service, Inc. as of 2025-02-23 01:05:39 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)