216 W Chestnut AveOsburnID83849
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 216 W Chestnut Ave, Osburn, ID, 83849 in Osburn: $1,260/mo in rent, $308/mo in net income, 9.14% gross yield, 1.69 DSCR, all at $165,500. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $45,725 in appreciation and $1,524/yr in principal paydown projects total cumulative return of $82,270.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.1% | 6.2% |
| Monthly Cash Flow | $308 | $350 |
City averages based on Osburn market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,260 |
| Total Monthly Debt Service | $886 |
| DSCR Ratio | 1.42x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 1932
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83849, Osburn, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 879 (100%) |
| Owner Occupied HU | 657 (74.7%) |
| Renter Occupied HU | 158 (18.0%) |
| Vacant Housing Units | 64 ( 7.3%) |
| Median Home Value | $255,531 |
| Average Home Value | $269,486 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
49
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 1932
6,098 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83849, Osburn, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 879 (100%) |
| Owner Occupied HU | 657 (74.7%) |
| Renter Occupied HU | 158 (18.0%) |
| Vacant Housing Units | 64 ( 7.3%) |
| Median Home Value | $255,531 |
| Average Home Value | $269,486 |
Housing Distribution
Address Breakdown
Residential
1
Single Family
1
Multi-Family
0
Businesses
49
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices