245 Mountain Smith EstsCocolallaID83813
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 245 Mountain Smith Ests, Cocolalla, ID, 83813 in Cocolalla. At $235,000 it earns $1,814/mo in rent and distributes $462/mo to the owner after the $1,057/mo payment, a consistent 9.27% yield. DSCR 1.72 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $64,926 in value; $2,164/yr in principal paydown compounds ownership stake. Total projected return: $118,412.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 5.2% |
| Monthly Cash Flow | $462 | $300 |
City averages based on Cocolalla market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,814 |
| Total Monthly Debt Service | $1,258 |
| DSCR Ratio | 1.44x |
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.
Lot
Built in N/A
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83813, Cocolalla, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 676 (100%) |
| Owner Occupied HU | 491 (72.6%) |
| Renter Occupied HU | 56 ( 8.3%) |
| Vacant Housing Units | 129 (19.1%) |
| Median Home Value | $481,783 |
| Average Home Value | $585,214 |
Housing Distribution
Address Breakdown
Residential
393
Single Family
393
Multi-Family
0
Businesses
39
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
Lot
Built in N/A
5 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83813, Cocolalla, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 676 (100%) |
| Owner Occupied HU | 491 (72.6%) |
| Renter Occupied HU | 56 ( 8.3%) |
| Vacant Housing Units | 129 (19.1%) |
| Median Home Value | $481,783 |
| Average Home Value | $585,214 |
Housing Distribution
Address Breakdown
Residential
393
Single Family
393
Multi-Family
0
Businesses
39
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Allen Taylor-Stiffarm • EXP Realty
Mls Name: Coeur d'Alene MLS
Mls Provider:
Mls ID: #24-8773
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.