2278 Golf LnCouncilID83612
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 2278 Golf Ln, Council, ID, 83612 in Council fits: $555,000, 4.88% gross yield, and a projected 5% annual appreciation rate adding $153,336 in value within five years. Rental yield 4.88%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.90) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $5,112/yr in principal paydown and $153,336 in appreciation project a total return of $140,524.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 5.0% |
| Monthly Cash Flow | $(1,080) | $1,200 |
City averages based on Council market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,256 |
| Total Monthly Debt Service | $3,115 |
| DSCR Ratio | 0.72x |
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
0.68 Acres lot
$N/A/sqft
$1,716 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83612, Council, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,281 (100%) |
| Owner Occupied HU | 796 (62.1%) |
| Renter Occupied HU | 214 (16.7%) |
| Vacant Housing Units | 271 (21.2%) |
| Median Home Value | $374,667 |
| Average Home Value | $474,171 |
Housing Distribution
Address Breakdown
Residential
541
Single Family
517
Multi-Family
24
Businesses
92
Nearby investment properties with comparable rents
No similar rental properties found nearby.
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
0.68 Acres lot
$N/A/sqft
$1,716 annually HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83612, Council, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,281 (100%) |
| Owner Occupied HU | 796 (62.1%) |
| Renter Occupied HU | 214 (16.7%) |
| Vacant Housing Units | 271 (21.2%) |
| Median Home Value | $374,667 |
| Average Home Value | $474,171 |
Housing Distribution
Address Breakdown
Residential
541
Single Family
517
Multi-Family
24
Businesses
92
Nearby investment properties with comparable rents
No similar rental properties found nearby.
Nearby investment properties with comparable prices