214 Ravello StCaldwellID83605
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.81% gross rental yield, 214 Ravello St, Caldwell, ID, 83605 in Caldwell is priced for capital growth, not immediate cash flow. The $495,900 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $137,008 by year five, with $4,567/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.08) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $157,981.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 4.7% |
| Monthly Cash Flow | $(453) | $185 |
City averages based on Caldwell market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,400 |
| Total Monthly Debt Service | $2,656 |
| DSCR Ratio | 0.90x |
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 2025
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83605, Caldwell, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,262 (100%) |
| Owner Occupied HU | 10,439 (68.4%) |
| Renter Occupied HU | 4,270 (28.0%) |
| Vacant Housing Units | 553 ( 3.6%) |
| Median Home Value | $381,451 |
| Average Home Value | $394,583 |
Housing Distribution
Address Breakdown
Residential
14,660
Single Family
14,173
Multi-Family
487
Businesses
1,090
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 2025
9,147 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83605, Caldwell, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,262 (100%) |
| Owner Occupied HU | 10,439 (68.4%) |
| Renter Occupied HU | 4,270 (28.0%) |
| Vacant Housing Units | 553 ( 3.6%) |
| Median Home Value | $381,451 |
| Average Home Value | $394,583 |
Housing Distribution
Address Breakdown
Residential
14,660
Single Family
14,173
Multi-Family
487
Businesses
1,090
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices