301 Timber Ridge TrlClark ForkID83811
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 301 Timber Ridge Trl, Clark Fork, ID, 83811 in Clark Fork is capital appreciation. Rental yield 2.56%. The 2.56% gross yield at $845,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $233,458 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.47) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $121,812.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 2.6% | 6.0% |
| Monthly Cash Flow | $(3,061) | $300 |
City averages based on Clark Fork market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $1,800 |
| Total Monthly Debt Service | $4,525 |
| DSCR Ratio | 0.40x |
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 1980
15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83811, Clark Fork, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,034 (100%) |
| Owner Occupied HU | 580 (56.1%) |
| Renter Occupied HU | 125 (12.1%) |
| Vacant Housing Units | 329 (31.8%) |
| Median Home Value | $289,474 |
| Average Home Value | $427,767 |
Housing Distribution
Address Breakdown
Residential
375
Single Family
375
Multi-Family
0
Businesses
36
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 1980
15 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 83811, Clark Fork, ID area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,034 (100%) |
| Owner Occupied HU | 580 (56.1%) |
| Renter Occupied HU | 125 (12.1%) |
| Vacant Housing Units | 329 (31.8%) |
| Median Home Value | $289,474 |
| Average Home Value | $427,767 |
Housing Distribution
Address Breakdown
Residential
375
Single Family
375
Multi-Family
0
Businesses
36
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jared Andrew English • Congress Realty, Inc.
Mls Name: Coeur d'Alene MLS
Mls Provider:
Mls ID: #25-3768
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