245 S 1st StCambridgeID83610
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 245 S 1st St, Cambridge, ID, 83610 in Cambridge. At $299,000 it earns $2,322/mo in rent and distributes $602/mo to the owner after the $1,344/mo payment, a consistent 9.32% yield. DSCR 1.73 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $82,608 in value; $2,754/yr in principal paydown compounds ownership stake. Total projected return: $151,596.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.3% | 6.0% |
| Monthly Cash Flow | $602 | $1,200 |
City averages based on Cambridge market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,322 |
| Total Monthly Debt Service | $1,601 |
| DSCR Ratio | 1.45x |
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 1963
0.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83610, Cambridge, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 549 (100%) |
| Owner Occupied HU | 351 (63.9%) |
| Renter Occupied HU | 91 (16.6%) |
| Vacant Housing Units | 107 (19.5%) |
| Median Home Value | $356,087 |
| Average Home Value | $422,343 |
Housing Distribution
Address Breakdown
Residential
264
Single Family
264
Multi-Family
0
Businesses
59
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 1963
0.56 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83610, Cambridge, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 549 (100%) |
| Owner Occupied HU | 351 (63.9%) |
| Renter Occupied HU | 91 (16.6%) |
| Vacant Housing Units | 107 (19.5%) |
| Median Home Value | $356,087 |
| Average Home Value | $422,343 |
Housing Distribution
Address Breakdown
Residential
264
Single Family
264
Multi-Family
0
Businesses
59
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices