268 Mattoon RdKamiahID83536
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 268 Mattoon Rd, Kamiah, ID, 83536 in Kamiah worth study. Rental yield 4.87%. The 4.87% gross yield is below cash-flow benchmarks at $515,000, but 5% annual appreciation, adding $142,285 over five years, frames this as a capital growth position. Rent of $2,090/mo partially offsets the $2,316/mo payment. Ziffy Mortgage finances appreciation-play properties (0.90 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $138,117.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 6.2% |
| Monthly Cash Flow | $(872) | $250 |
City averages based on Kamiah market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $2,090 |
| Total Monthly Debt Service | $2,758 |
| DSCR Ratio | 0.76x |
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 2011
3.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83536, Kamiah, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,219 (100%) |
| Owner Occupied HU | 1,417 (63.9%) |
| Renter Occupied HU | 455 (20.5%) |
| Vacant Housing Units | 347 (15.6%) |
| Median Home Value | $351,286 |
| Average Home Value | $401,104 |
Housing Distribution
Address Breakdown
Residential
1,347
Single Family
1,300
Multi-Family
47
Businesses
146
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 2011
3.04 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83536, Kamiah, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 2,219 (100%) |
| Owner Occupied HU | 1,417 (63.9%) |
| Renter Occupied HU | 455 (20.5%) |
| Vacant Housing Units | 347 (15.6%) |
| Median Home Value | $351,286 |
| Average Home Value | $401,104 |
Housing Distribution
Address Breakdown
Residential
1,347
Single Family
1,300
Multi-Family
47
Businesses
146
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices