259 Copper StMullanID83846
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 259 Copper St, Mullan, ID, 83846 in Mullan is narrow, $145/mo net on $1,926/mo rent after the $1,392/mo debt service, but the property operates at break-even-plus, not a loss. At $309,500 with a 7.47% yield, the long-run equity case via 5% appreciation ($85,509 over five years) and $2,851/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.38 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $126,136.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.0% |
| Monthly Cash Flow | $145 | $300 |
City averages based on Mullan market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,926 |
| Total Monthly Debt Service | $1,657 |
| DSCR Ratio | 1.16x |
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 1953
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83846, Mullan, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 469 (100%) |
| Owner Occupied HU | 274 (58.4%) |
| Renter Occupied HU | 87 (18.6%) |
| Vacant Housing Units | 108 (23.0%) |
| Median Home Value | $236,792 |
| Average Home Value | $286,195 |
Housing Distribution
Address Breakdown
Residential
96
Single Family
96
Multi-Family
0
Businesses
20
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 1953
6,969 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83846, Mullan, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 469 (100%) |
| Owner Occupied HU | 274 (58.4%) |
| Renter Occupied HU | 87 (18.6%) |
| Vacant Housing Units | 108 (23.0%) |
| Median Home Value | $236,792 |
| Average Home Value | $286,195 |
Housing Distribution
Address Breakdown
Residential
96
Single Family
96
Multi-Family
0
Businesses
20
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices